In accordance with state and federal regulations, the following disclosure and licensing information is available for you to review online:

• American Dream Special
• Loan Assumptions
• Do Over Refinance Guarantee Disclosure
• Equal Housing Lender
• Fair Lending Policy Statement
• 'No Closing Costs' loans
• Home Mortgage Disclosure Act
• The Housing Financial Discrimination Act of 1977, California Fair Lending Notice
• IMPORTANT INFORMATION ABOUT PROCEDURES FOR OBTAINING A MORTGAGE LOAN

Disclosed rate assumes a $300,000 rate and term refinance loan on an owner-occupied single family residence, borrower is not self-employed and owns no other properties, minimum 740 FICO credit score, 60% loan to value with no subordinate debt. If these factors are not met, you may still qualify for a loan but higher rates may apply. Subject to underwriting approval. Not all applicants will qualify. Click here to see monthly payments per $1,000 borrowed.

2nd lien, fully amortized over a fifteen year term; owner occupied; minimum credit score of 740 with a combined loan-to-value greater than 100% and 700 with a combined loan-to-value of 100% and less; and maximum DTI of 50%. Offer valid on properties located in the state of California only. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Please consult a tax adviser for further information regarding the deductibility of interest and charges.

Rates, loan products & fees subject to change without notice. Your rate and term may vary. If you do not lock in a rate when you apply, your rate at closing may differ from the rate in effect when you applied. Subject to underwriting approval. Not all applicants will be approved. Full documentation & property insurance required. Loan secured by a lien against your property. Consolidating or refinancing debts may increase the time and/or the finance charges/total loan amount needed to repay your debt. Terms, conditions & restrictions apply. Call for details.

This refinancing opportunity is being provided by the mortgage division of CashCall, Inc. This loan program may be changed or discontinued at any time without notice. All loans must fund within 30 days of application. Current home loan must be an owner‐occupied loan that has funded in the last 18 months with another lender. Borrower must provide a copy of current mortgage note or mortgage statement that indicates current fixed interest rate, term, and loan type and CashCall will offer a lower fixed rate with No Closing Costs pricing. Complete application required. Not all applicants or property types will qualify. If all conditions are met, CashCall will offer "No Closing Costs" pricing on a fixed rate loan program that beats the recipient’s current interest rate or CashCall will pay the borrower $500. On the "No Closing Costs" pricing program, CashCall will pay non‐recurring closing costs that do not include pre‐paid interest, taxes, insurance, mortgage insurance, or lender pay‐off fees.

We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin:

• In the sale or rental of housing
• In advertising the sale or rental of housing
• In the financing of housing
• In the provision of real estate brokerage service
• In the appraisal of housing
• Blockbusting is also illegal

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), or send to:

Office of Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Room 5204
451 Seventh St. SW
Washington, DC 20410-2000

Or online: http://portal.hud.gov/hudportal/HUD?src=/program_offices/fair_housing_equal_opp/online-complaint  

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It is our policy to comply with the Equal Credit Opportunity Act and the Fair Housing Act. In addition, it is our policy to comply with state laws that provide greater protection. CashCall does not discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Servicemembers Civil Relief Act (SCRA); that all or part of a consumer's income derives from a public assistance program; or any other basis prohibited by law.

“No Closing Costs” Option applies to refinance transactions only and covers the cost of the appraisal fee, credit report fee, flood certification fee, tax service fee, notary/signing fees, title fees, escrow/closing fees and recording fees. The borrower is responsible for paying prepaid interest, property taxes, state mortgage taxes, insurance, mortgage insurance and existing lender payoff fees. The borrower may choose to apply for a loan with other fee options in which points and/or fees are charged to obtain a lower interest rate. Our "No Closing Costs" option is not available on purchase transactions however a reduced fee option is available. Not available for loan amounts below $100,000.

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at 1600 South Douglass Road, Anaheim, CA 92806 regarding the location where HMDA data may be inspected.

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.
• 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, 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

To help us prevent fraud and to assist the government in fighting the funding of terrorism and money laundering activities, we are obtaining, verifying, and recording information that identifies each person who applies for and/or obtains a mortgage loan. What this means for you: When you apply for and/or obtain a mortgage loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.