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| Disclosure Notice |
In accordance with State and Federal regulations, the following disclosure and licensing information is available for you to review
online:
Home Mortgage Disclosure Act
Our annual Home Mortgage Disclosure Act Statement is available for inspection.
This statement shows the geographic distribution of our residential mortgage
and home improvement loans. For information on how to inspect the statement,
please call 1-800-CASH-FAST.
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.
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 or:
Department of Corporations
320 West 4th Street
Suite 750
Los Angeles, CA 90013-1105
Mortgage Companies
Federal Trade Commission
Equal Credit Opportunity
Room 4037
Washington DC 20580
Applicable state disclosure regulations require the following licenses to be explicitly disclosed:
"Closing Costs Guaranteed" means that the lender's fees for your loan application will not change between the time you apply and the time you close assuming the following: The loan amount does not change, the rate and points option you choose does not change, the loan program you applied for does not change, and any stated items on your application, such as your stated income, assets, job history, address history, or any other factor that may affect the underwriting decision of the loan you applied for, do not change.
"No up front fees" means that Royal Consultants does not charge up front fees for application. This does not apply to optional "lock fees" that may be charged up-front if you choose an extended lock option when you first apply for your loan.
"24/7 service" means that Royal Consultants has loan officers staffed 24 hours per day, seven days a week except for all legal holidays or at any other time that 1-800-CASH-FAST may choose to close for any purpose. Other departments such as signing, servicing, loan processing, etc. are not staffed 24 hours a day and are generally available only during normal business hours.
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