Licensing And Disclosures

FIRST CENTENNIAL MORTGAGE IS AN EQUAL HOUSING LENDER.

We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from First Centennial Mortgage will never be discouraged on the basis of sex, marital status, race, color, national origin, or public assistance income. All information we request is voluntary, and will be kept confidential.

For more information on the ECOA, please visit: www.ftc.gov

For NMLS information, please visit: www.nmlsconsumeraccess.org

First Centennial Mortgage Corporation is a licensed mortgage lender. Some states require specific licensing information, which is found below.

• First Centennial Mortgage Corporation – NMLS ID 132763
• Arizona: First Centennial Mortgage Corp. – 16810 Avenue of the Fountains, Suite 221, Fountain Hills, AZ 85268 Mortgage Banker License # BK-0928494
• California: Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. License # 413-1113
• Colorado: Regulated by the Division of Real Estate
• Illinois: Residential Mortgage Licensee, 2471 W Sullivan Road, Aurora, IL 60506 MB.0004239. Regulated by IDFPR located at 100 West Randolph, 9th Floor, Chicago, IL 60601. 312.814.4500
• Texas: For Texas Consumers Only:
  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.

LICENSING

NMLS Consumer Access Company Page

HOME MORTGAGE DISCLOSURE ACT NOTICE

The HDMA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit Consumer Financial Protection Bureau’s Website (www.consumerfinance.gov/hmda).

DISCLAIMER

Mortgage loans are available in the United States only, and only in the States in which First Centennial Mortgage Corporation is licensed and authorized to conduct business, as listed on our licensing disclosure and legal notices page. Loan inquiries and applications for credit will be assigned to a licensed Mortgage Loan Originator who is validly licensed in the State in which the subject property is located. First Centennial Mortgage Corporation is an Equal Housing Lender.

This is not an offer for extension of credit or a commitment to lend as defined by Section 12 CFR 1026.2 Regulation Z. This document is not an advertisement as defined in Regulation N (12 CFR 1014). Loans are currently being closed and committed at the expressed rates, however these rates may change or may not be available at the time of your loan lock-in, commitment or closing. All loans must satisfy company underwriting guidelines, interest rates and APRs are based on recent market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value ratio, credit score and other variables. Terms and conditions apply. Additional loan programs may be available. This is not an offer to enter into a rate lock agreement under MN law, or any other applicable law. Call for details. 04/2015. Our Loan Officers are dedicated to helping you with your home financing needs.

First Centennial Mortgage is a direct mortgage lender offering access to current mortgage rates on residential home loans with a selection of mortgage programs including: refinance mortgages, adjustable and fixed rate mortgages, HARP loans, Jumbo, VA and FHA loans. First Centennial Mortgage is an approved seller/servicer to Fannie Mae, HUD FHA Direct Endorsement Lender, VA Automatic Lender, providing mortgage loans for refinancing and home purchases. We are committed to delivering accurate lending information, competitive mortgage interest rates, easy loan processing and best in class home loan financing services.