Home Mortgage Disclosure Act

Our annual Home Mortgage Disclosure Act Statement is available for inspection. This statement shows the geographic distribution of our residential mortgage and home improvement loans. For information on how to inspect the statement, please call 1-800-722-7227.

Equal Housing Opportunity

We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1983). 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.

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

Equal Credit Opportunity Act Fair Lending Notice

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that 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 the creditor is:

Mortgage Companies
Federal Trade Commission
Equal Credit Opportunity, Room 4037
Washington DC 20580

Special Notices

The following statement applies to advertisements in the State of Minnesota: This is not an offer to enter into an agreement. Any such offer may only be made in accordance with the requirements of Minn Stat Section 47.206 (3) and (4).

"Closing Costs Guaranteed"

means that the lender's 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 up front fees"

means that Nationwide Mortgage Bankers and the Mortgage Joy Family of Companies, does not charge up front fees for application. This does not apply to optional "lock fees" that may be charged up-front if you choose an extended lock option when you first apply for your loan.

"24/7 service"

means that Nationwide Mortgage Bankers and the Mortgage Joy Family of Companies, has loan officers staffed 24 hours per day, seven days a week except for all legal holidays or at any other time that Golden State Mortgage & Loans 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.

Client Testimonials

The testimonials incorporated into the Golden State Mortgage & Loans Web site may or may not be taken directly from actual clients. Any or all of the testimonials seen on the Golden State Mortgage & Loans Web site may have come from clients of Nationwide Mortgage Bankers and the Mortgage Joy Family of Companies, and not necessarily Golden State Mortgage & Loans Client's legal names may also have been changed slightly to protect client's privacy. It should also be noted that the exact same testimonials may also appear on additional mortgage Web sites under the umbrella of Nationwide Mortgage Bankers, as part of the Nationwide Mortgage Bankers and the Mortgage Joy Family of Companies,.

Authenticity of Photography

The photographs, images, and graphics including but not limited to persons, buildings, employees and graphics displayed throughout the Golden State Mortgage & Loans Web site may or may not be the actual photographs, images, and graphics associated with or representative of Golden State Mortgage & Loans the actual company.

Promotional Gift

In order for a client to receive a promotional gift advertised on the Golden State Mortgage & Loans Web site, it is incumbent upon the client at the time of their closing to verbally request such promotional gift. Failure by the client to do so automatically nullifies Golden State Mortgage & Loans obligation to fulfill such advertised commitment. Once the client's closing has been completed and all documents have been signed, the time frame for the client to request any promotional gift will have expired. In addition, any advertised promotional gift is only available to clients who have actually closed on a loan with Golden State Mortgage & Loans.