Fair Lending Notice

Our Commitment to Fair Lending

Jerry Garcia (NMLS #994639) and Edge Home Finance Corp (NMLS #891464) are committed to ensuring equal access to mortgage credit and housing for all consumers. We fully support and comply with all applicable federal and state fair lending laws and regulations.

We believe that every person deserves access to fair and transparent mortgage services. Our lending practices are designed to evaluate each applicant individually based on their financial qualifications, without regard to any protected class characteristics.

Federal Fair Housing Act

The Fair Housing Act prohibits discrimination in residential real estate-related transactions, including mortgage lending, on the basis of race, color, national origin, religion, sex (including gender identity and sexual orientation), familial status, and disability.

We do not discriminate in any aspect of a residential real estate-related transaction, including the making or purchasing of mortgage loans, the terms and conditions of such loans, or the appraisal of residential real property.

Equal Credit Opportunity Act (ECOA)

As prohibited by federal law under the Equal Credit Opportunity Act, 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.

How to File a Complaint

If you believe you have been discriminated against in a mortgage lending transaction, you have the right to file a complaint. You may contact any of the following agencies: