Peoples Home Equity DBA "Peoples Home Equity"
Disclosures and License Information
Peoples Home Equity is a part of the Peoples Home Equity Family.
Peoples Home Equity is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.
Peoples Home Equity DBA Peoples Home Equity State Disclosure Requirements:
Alabama
Alabama Consumer Credit License No. 20881
Arizona
Arizona Mortgage Lender License No. BK - 0909049
California
License No. 413 0946
Licensed under the California Department of Corporations under the California Residential Mortgage Lending Act (CRMLA)
If an applicant is married, each spouse may apply for a separate credit account.
Frequenty Asked Questions
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Corporate Mortgage Benefit
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THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977 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; or
- 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.
- 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.
- 5. If you have questions about your rights, or if you wish to file a complaint, contact the management of this financial institution or the california department of financial institutions at:
111 Pine Street, Suite 1100 |
300 S. Spring Street, Suite 15513 |
|
1810 13th Street |
7575 Metropolitan Drive, Suite 108 |
District of Columbia
Government of the District of Columbia Mortgage Lender License No. MLB 6370
If your loan request is forwarded to our participating Lenders, you may be issued a financing agreement by the Lenders in accordance with D.C. Code Ann. § 26-1113. If provided, the financing agreement will provide: (A) the term and principal amount of the loan; (B) an explanation of the type of mortgage loan being offered; (C) the interest rate and, if the rate is subject to change, or is a variable rate, or is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (D) the points and fees, if any, to be paid by you; and (E) the term during which the financing agreement remains in effect. This financing agreement must be executed by the Lender and must be delivered as least 72 hours before settlement.
Florida
License No. CL 0700567
Insurance Anti-coercion statement for Real and Personal Property
The Insurance Laws of this state provide that the lender may not require the borrower to take insurance through any particular insurance agent or company to protect the mortgaged property.
The borrower, subject to the rules adopted by the Financial Services Commission, has the right to have the insurance placed with an insurance agent or company of his choice, provided the company meets the requirements of the lender. The lender has the rights to designate reasonable financial requirements as to the company and the adequacy of the coverage.
Georgia
Georgia Mortgage Lender License No. 23364
Indiana
Indiana Mortgage Lender License No. 11155
Illinois
Illinois Residential Mortgage License #: MB.6760717
Kentucky
Kentucky Mortgage Loan Lender License No. MC24175
Louisiana
Louisiana Residential Mortgage Lender License No. RML 189-0
The state of Louisiana has not reviewed and does not approve or disapprove any loan brokerage contract. The information contained in this disclosure has not been verified by the state. If you have any questions, see an attorney before you sign a loan contract.
In Maryland
Mortgage Lender License # 18435
Peoples Home Equity, Inc. cannot guarantee the acceptance of you application into any particular loan program.
Minnesota
Minnesota Residential Mortgage Originator License No. 20433267
In some cases peoples home equity, inc. Is not acting as your agent in connection with obtaining a residential mortgage loan. While peoples home equity, inc. Will seek to assist you in meeting your financial needs, we cannot guarantee the lowest or best terms available in the market.
The information on this Website may not be considered by any person to be an offer to enter an interest rate lock-in agreement under Minnesota law.
Mississippi
Mississippi Licensed Mortgage Company Lender License No. ML/000619/2009
As required by Mississippi law, Peoples Home Equity, Inc. has secured a bond issued by Mortgage Insurance Agency, a surety company authorized to do business in this state. A certified copy of this bond is filed with the Mississippi Commissioner of Banking and Consumer Finance.
As a borrower you are protected under the Mississippi Mortgage Consumer Protection Act. Complaints against a licensee may be made by contacting the:
Mississippi Department of Banking and Consumer Finance
PO Box 23729
Jackson, MS 39225-3729
North Carolina
North Carolina Mortgage Lender License No. L-139248
South Carolina
South Carolina Supervised Lenders License No. S-7, 180
South Carolina Mortgage Broker License No. MB-0800901-0835400
Tennessee
Tennessee Mortgage Lender/Broker License #1929
Texas
Mortgage Banker Registration # 74309
Virginia
Licensed under the Virginia State Corporation Commission. License No. MC-3511
Wisconsin
Wisconsin Mortgage Banker License No. 63371
Any interest rate, points, and fees quoted at the time of application are subject to change until the loan is closed. The estimated processing time for closing the loan is unknown at this time. An estimate will be provided to you after this application is provided to our team members in Virginia. The estimated processing time will take into account the time needed for performance of any local government inspections and any functions necessary to close the loan.
EQUAL CREDIT OPPORTUNITY ACT
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 a public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that administers compliance with this law concerning this company is the Office of the Comptroller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3710, Huston Texas 77010
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