Disclosures

dISCLOSURE

RATE QUOTE ASSUMPTIONS

Your rate quote is based on information provided to UGro Funding. Consult your loan advisor for more details. Rates, loan products and fees are 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 and property insurance required. Loans will be secured by a lien against your property. Not available in all states. Consolidating or refinancing debts may increase the time and/or the finance charges/total loan amount needed to repay your debt. Terms, conditions and restrictions apply. Call UGro Funding for details at 310-818-3867.

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), 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

EQUAL HOUSING OPPORTUNITY STATEMENT

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.

FAIR LENDING POLICY

It is the policy of UGro Funding to treat all mortgage loan borrowers in compliance with all applicable fair lending laws, including, without limitation, the Equal Credit Opportunity Act and the Fair Housing Act. All of our products will be made available to qualified applicants without discrimination on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, marital status, age (provided the applicant has the legal capacity to enter into a binding contract), handicap, receipt of public assistance, good faith exercise of rights under the federal consumer protection act, or any other basis protected by applicable law.

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:
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, gender, gender identity, gender expression, sexual orientation, marital status, national origin, ancestry, familial status, source of income, disability, veteran or military status, or genetic information.

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.
If you have questions about your rights, or if you wish to file a complaint, contact the management of this
financial institution or the department of financial protection and innovation at the following location:
California Department of Financial Protection and Innovation Consumer Services Office
2101 Arena Boulevard, Sacramento, CA 95834
(866) 275-2677 or (916) 327-7585

IMPORTANT INFORMATION ABOUT 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.