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License Info

Silverton Mortgage is an Equal Housing Lender and Georgia Residential Mortgage Licensee. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal and State regulations.

Some of the states we lend in require specific licensing information, which is found below:

 

StateLicense Number
AlaskaAK1732276 
Alabama3145
Arkansas116060
Arizona124956
California41DBO-93373 
ConnecticutML-BCH-1732276
FloridaMLDB8477
Georgia6911
Iowa572
IdahoMBLB-2081732276 
IllinoisMB.6760629 
KansasMC.0025368-BR.002
KentuckyMC700971
Louisiana556
Maine1732276
MichiganFR1011
MinnesotaMN-BR-1732276
Missouri19-1868 
Montana1732276
Mississippi1732276
North CarolinaL-100375-112
North DakotaNDBR1732276
New Hampshire22813-MB-BCH 
New Jersey1561
New Mexico1135
OhioRM.500822.002 
OregonML-1659-2 
Pennsylvania26510
Rhode Island20153149LL B02 
South CarolinaMLB - 1732276 
South DakotaML.04245 
Tennessee109263-115 
Texas1561
Utah11223893
Vermont7304
WashingtonCL-1732276 
Washington, D.C.MLB1732276 
West VirginiaMLB-1732276 
Wyoming3331

Disclosures


Federal Equal Credit Opportunity Act Notice:

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Protection Act. The federal agency, which administers compliance with this law concerning this creditor, is the Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580.

California

The Housing Financial Discrimination Act of 1977 Fair Lending Notice

An applicant, if married, may apply for a separate account. It is illegal to discriminate in the provision or availability of financial assistance for the purpose of the purchase, construction, rehabilitation or refinancing of any one- to four-unit family residence occupied by the owner and for the purpose of the home improvement of any one- to four-unit family residence by considering:
1.  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; or
2.  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, or under what terms and conditions, to provide financial assistance. If you have questions about your rights, or if you wish to file a complaint, contact 21st Mortgage Corporation or the California Department of Business Oversight at (866) 275-2677 or:

Department of Corporations

One Sansome St.
Suite 600
San Francisco, CA
94104-4428
300 S. Spring St.
Suite 15513
Los Angeles, CA
990013-1259

1515K Street
Suite 200
Sacramento, CA
95814-4052

1350 Front Street
Room 2034
San Diego, CA
92101-3697 

7575 Metropolitan Dr.
Suite 108
San Diego, CA
92108-4421
 

Ohio

The Ohio laws against discrimination requires that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

South Carolina

Please see the CONSUMER LOANS: Your Rights and Responsibilities pamphlet which provides a summary of your rights and responsibilities under this loan.

Texas

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 the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. 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 www.sml.texas.gov.

Utah

The Federal Equal Opportunity Act and the Utah Consumer Credit Code prohibit creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Protection Act. The federal agency which administers compliance with this law concerning this creditor, is the Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580. For residents of Utah, the Equal Credit Opportunity Provisions of the Utah Uniform Consumer Credit Code are administered by the Department of Financial Institutions, Herber M. Wells Building, 160 East 300 South, 3rd Floor, Salt Lake City, Utah 84111.

Washington

Washington State law prohibits discrimination in credit transactions because of race, creed, color, national origin, sex, marital status, or the presence of any sensory, mental or physical handicap of any person. The Washington State Human Rights Commission administers compliance with this particular State law.

Wisconsin

Notice to Married Wisconsin Residents: No provision of a marital property agreement, court order or decree under section 766.70 of the Wisconsin statutes or individual statement applying to marital property will adversely affect a creditor’s interests unless prior to the time credit is granted such creditor had actual knowledge of such provision. If an applicant spouse wants a creditor to be bound by such provision, such applicant spouse needs to disclose to the creditor the existence of such provision and provide the creditor with a copy thereof prior to the time credit is granted. Disclosure of such provision after credit is granted will not bind the creditor.