ABOUT US

At Amerihome we take our clients' financial privacy very seriously. During the course of processing your application, we accumulate non-public personal financial information from you and from other sources about your income, your assets, and your credit history in order to allow a lender to make an informed decision about granting you credit. We restrict access to non-public personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.

Information Collected: We collect non-public personal information about you from the following sources:

• Information we received from you on the applications or other forms, such as your name, address, social security number, assets, and income
• Information about your transactions with us, our affiliates, or others, such as your account balance payment history
• Information we received from a consumer reporting agency, such as your creditworthiness and credit history

We do not disclose and nonpublic information about our customers or former customers to anyone, except as permitted by law or to facilitate the completion of your transaction.

Equal Credit Opportunity Act Notice

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, maritL 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 any 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 institution is the Federal Trade Commission, Pennsylvania Avenue Six Northwest, Washington, DC 20580 , (202) 724-1148 .

You may apply for this loan in your own name or you may wish your spouse (if any) or other person to be a co-applicant.  There is no requirement for your spouse (if any) or other person to apply or otherwise become obligated to repay the debt except to the extent that your spouse's or other person's income and/or assets are necessary to qualify you for the loan.  If your spouse or another person wishes to be a co-applicant on this loan and therefore voluntarily be obligated to repay the debt, he or she may do so.

If you are married or separated, your spouse may be required to sign certain documents, which are necessary to properly complete the processing of your loan (i.e. mortgage or deed of trust).

Income you receive from alimony, child support, or maintenance payments need not be disclosed unless you choose to rely on such sources to qualify you for the loan.  We will not discount income from these sources, as well as from other sources, including part-time income, because of your sex or marital status.

You may apply for credit using your birth-given first name and surname or a birth-given first name and combined surname.  We would request, however, that if your credit history is in a name other than the name to be used on your application, that any such name be disclosed to us.

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:

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, marital status, domestic partnership, 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.

Fair Credit Reporting Act Disclosure

A consumer credit report or reports may be requested from one or more consumer reporting agencies (credit bureaus) in connection with this application.  Subsequent consumer credit reports may be requested or used in connection with any update, renewal, or extension of the credit requested by this application or in connection with subsequent quality control review of this application.  If you request, you will be informed whether any consumer credit report was requested, and if so, of the name and address of the consumer reporting agency which furnished the report.

Federal No Call Law Disclosure

Amerihome Mortgage understands and respects the reasons that the "no call law" was impemented.  Unwanted calls are very annoying and bothersome to people's privacy.  Amerihome believes that a personal financial relationship has been developed with the customer.  To be able to serve the customer in a consultive manner, phone calls to discuss opportunities may be necessary. Therefore, the following disclosure has been adopted:

"Customer hereby grants Amerihome Mortgage Company, LLC permission to contact customer in the future by telephone to notify customer of future mortgage opportunities and authorizes Amerihome Mortgage Company, LLC to call customer even if customer is registered on the federal and/or any state no call registry."