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The following disclosures and licensing information regarding home mortgages are made available for you to review online:

* Equal Opportunity Lending Compliance
* Home Mortgage Lending Data
* Nondiscriminatory Financial Assistance Compliance
* Nondiscriminatory Credit Application Compliance
* Miscellaneous Notices

Equal Opportunity Lending Compliance:

We are an equal housing opportunity lender and conduct our business in compliance with the Federal Fair Housing Law. It is illegal to discriminate against any person on the basis of ancestry, color, familial status, handicap, national origin, race, religion or sex, in any phase of our business leading up to and culminating in making residential mortgage loans.

Any person dealing with us, who feels discriminated against, may file a complaint with HUD by calling (toll-free): 800-669-9777, or tdd (toll-free): 800-927-9275, or by writing to them: Assistant Secretary for Fair Housing and Equal Opportunity, U.S. Department of Housing and Urban Development, Washington, DC 20410.

Home Mortgage Lending Data:

You may review data about our residential mortgage lending in accordance with the Home Mortgage Disclosure Act (HMDA), that show: geographic distribution of loans and applications; income of applicants and borrowers; and information about loan approvals and denials. Please write to our Compliance Officer to arrange to come in or to receive your own copy, at: First Liberty Funding, INC. 6256 Greenwich Drive #230 San Diego, CA 92122

Nondiscriminatory Financial Assistance Compliance:

We are in compliance with the requirements of the Housing Financial Discrimination Act, that makes it illegal to discriminate in providing for or making available financial assistance of any kind with respect to owner-occupied one-to-four-unit residences, that is based on:

(a) Characteristics, conditions or trends in the neighborhood or other geographic area surrounding a housing accommodation, unless we can demonstrate that such consideration in your case is required to avoid an unsafe and unsound business practice;
(b) Your ancestry, color, familial status, handicap, national origin, race, religion or sex; or
(c) The ethnic, national origin, racial or religious composition of a neighborhood or geographic area surrounding a housing accommodation, or whether such composition is undergoing, or is expected to undergo, change - in appraising the property or in determining whether, or under what terms or conditions, to provide financial assistance.

Nondiscriminatory Credit Application Compliance:

We are committed to compliance with the Federal Equal Credit Opportunity Act which prohibits discrimination of any kind against applicants for mortgage loans because of:

(a) Ancestry, color, familial status, handicap, national origin, race, religion or sex; or
(b) The fact that the applicant in good faith exercised any rights under the Consumer Credit Protection Act.
Under all circumstances, however, the applicant must have the legal capacity to enter into a binding contract.
If questions or complaints arise, please write to our Compliance Officer, First Liberty Funding, INC 6256 Greenwich Drive #230 San Diego, CA 92122, or write to: Mortgage Company Equal Credit Opportunities Federal Trade Commission - Room 4037 Washington, DC 20580

Consumer Credit Score Disclosure:

We will furnish to you the computer-generated credit scores (usually referred to as FICO Scores) that are calculated by the credit reporting agencies, based on the information supplied by you and otherwise contained in their files. It is very important that you review the credit-related information to make sure it is accurate in all respects. You will also receive contact information to report any corrections noted by you.

Miscellaneous Notices:

1. Access to this website, or any other form of advertisement, IS NOT AN OFFER to enter into an agreement of any kind whatsoever, either within or without the State of California. Any solicitation must be in strict compliance with applicable state statutes in order to constitute an offer.
2. You may be told that CLOSING COSTS ARE GUARANTEED. That term only means that the lender's fees applicable to your loan application will not change between the time your application is accepted by us and the time you close the loan transaction, provided, that:
(a) The loan amount does not change;
(b) The rate or points option that you selected does not change;
(c) That statements made by you in your application (such as your income, assets, liabilities, job history, address history or any other factor that may affect the underwriting decision in granting your loan) do not change.
3. We are generally available only during normal West Coast business hours, but, we can be available at other times by special arrangement.
4. We are MORTGAGE BROKERS/BANKERS; we are not a financial institution.

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