Legal and Regulatory

Licensing Disclaimers

Hearth Lending (CS Finance Corp) NMLS License #2497292
For consumer inquiries please email us at

CS Finance Corp is authorized to conduct Mortgage Lending business in the following States:


California Financing Law License
License/Registration #: 60DBO-183899
Colorado Mortgage Company Registration
License/Registration #: 2497292
Florida Mortgage Lender License
License/Registration #: MLD2526
Louisiana Residential Mortgage Lending License
License/Registration #: 2497292
Maryland Mortgage Lender License
License/Registration #: 2497292
North Carolina Mortgage Lender License
License/Registration #: : L-219870
Texas Mortgage Company License
License/Registration #: 2497292
TAC § 81.200(c) Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to: Texas Department of Savings and Mortgage Lending 2601 North Lamar, Suite 201 Austin, TX 78705. Complaint forms and instructions may be obtained from the department's website at A toll-free consumer hotline is available at 1-877-276-5550 . The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website at
Virginia Lender License
License/Registration #: MC-7771
Washington Consumer Loan Company License
License/Registration #: CL-2497292

To verify licensing please visit


The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.

Equal Housing Opportunity Lender Notice

We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin.

  • In the sale or rental of housing
  • In advertising the sale or rental of housing
  • In the financing of housing
  • In the provision of real estate brokerage service
  • In the appraisal of housing
  • Blockbusting is also illegal

Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll free), or 1-800-927-9275 (tdd), U.S. Department of Housing and Urban Development Assistant Secretary for Fair Housing and Equal Opportunity, Washington DC 20410.

The Housing Financial Discrimination Act of 1977, California Fair Lending Notice

It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:

  • Trends, characteristics, or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice
  • Race, color, religion, sex, marital status, national origin, or ancestry

It is illegal to consider the racial, ethnic, religious, or national origin composition of a neighborhood or geographic area surrounding a housing accommodation, or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, and under what terms and conditions, to provide financial assistance.

These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation, or refinancing of one- to four-unit family residences occupied by the owner and for the purpose of the home improvement of any one- to four-unit family residence.

If you have any questions about your rights, or if you wish to file a complaint, contact the management of this financial institution.

Important Notice

Due to changing market conditions and borrower eligibility, interest rates can change daily. Your exact interest rate will depend on the date you lock your rate. Your total finance charges may be higher over the life of the loan. County restrictions may apply. Additional restrictions may apply. To estimate your current mortgage payment we used information obtained from public records. If you have more than one mortgage, this public information may include the total of all of your mortgages.

Cash-Out Program Disclosure

Eligibility for the Cash-Out Program is to be determined with your current credit score, home appraisal, income verification, and additional requirements if necessary. Cash-Out Program may not be available on properties located in the State of Texas.