Disclosures  
General Disclosures
 
 
 
Disclosures
 
   
 

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

 
     
 
Home Mortgage Disclosure Act
Equal Housing Lender
The Housing Financial Discrimination Act of 1977, California Fair Lending Notice
Fair Lending Policy Statement
Plus Mortgage Group Fee Schedule For Montana Loans
State Licenses
Special Notices
 
     
     
 

Home Mortgage Disclosure Act (HMDA)

 
 

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 3200 Park Center Dr., Suite 150, Costa Mesa, CA 92626 regarding the location where HMDA data may be inspected. To receive a copy of the data, send a written request to:

Plus Mortgage Group
3660 Wilshire Blvd. Suite 506
Los Angeles CA 90010

 
     
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Equal Housing Lender

 
 

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), U.S. Department of Housing and Urban Development Assistant Secretary for Fair Housing and Equal Opportunity, Washington DC 20410.

     
         
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    The Housing Financial Discrimination Act of 1977, California 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.
  • 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

     
         
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    Fair Lending Policy Statement

     
     

    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. Ally Bank 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.

     
         
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    Plus Mortgage Group Fee Schedule

     
     

     

     

     
         
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    Special Notices:

     
     

    "Closing Costs Guaranteed" means that Plus Mortgage Group fees for your loan application will not change between the time you apply and the time you close, assuming the following: The loan amount does not change, the rate and points option you choose does not change, the loan program you applied for does not change, and any stated items on your application, such as your stated income, assets, job history, address history, or any other factor that may affect the underwriting decision of the loan you applied for do not change.

    "No fees prior to closing" means that Plus Mortgage Group does not charge up-front fees for application.

    "24/7 service" means that Plus Mortgage Group has loan officers staffed 24 hours per day, seven days a week, except for all legal holidays or at any other time that Plus Mortgage Group may choose to close for any purpose. Other departments such as signing, servicing, loan processing, etc., are not staffed 24 hours a day and are generally available only during normal business hours.

    IMPORTANT INFORMATION ABOUT PROCEDURES FOR OBTAINING A MORTGAGE LOAN

    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.

     
         
      Plus Mortgage Group Financial Services family of companies. In various states, Ally Bank is registered to do business as Ally Bank Corp., Ally Capital Corp., Ally Bank, Corp. In most cases, on approved loan requests, loans will close and be funded by Ally Bank Corp. with either Plus Mortgage Group acting as a MORTGAGE BROKER ONLY, NOT AS A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. When acting as a mortgage broker, Plus Mortgage Group arranges but does not make loans; all loan requests will be submitted to Ally Bank for loan approval, which may affect the availability of the funds.  
         
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