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About Us - Our License

California Only

If your form is forwarded to a lender that makes you an offer, you will receive from the lender a good faith estimate required under RESPA and an initial disclosure statement required under the TILA, each within three business days from the date you submit a signed application with the lender.

If the lender denies your request for credit and that action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain, within sixty days, a free copy of your consumer credit report from the credit reporting agency which compiles and maintains files on consumers on a nationwide basis. You also have the right to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency by contacting that agency directly.

An applicant, if married, may apply for a separate account.


DISCLOSURE AND ACKNOWLEDGMENT

YourHomeLoan.info does not make mortgage loans or commitments.

YourHomeLoan.info is a Fictitious Business Name for Susan E. Hansen-Milham doing business as YourHomeLoan.info.  Susan E. Hansen-Milham a Licensed Real Estate Agent, CA Dept. of Real Estate, (916) 227-0770, License No. 01271998

YourHomeLoan.info is a Fictitious Business Name for Erik R. Hansen-Milham doing business as YourHomeLoan.info.  Erik R. Hansen-Milham a Licensed Real Estate Agent, CA Dept. of Real Estate, (916) 227-0770, License No. 01299643

Employing Corporation: Provident Home Loans Incorporated, Licensed Realty And Mortgage Service Company, California Department of Real Estate, License No. 01112839. This license permits Provident Home Loans Inc. to submit Qualification Forms to “finance lenders” as defined in the California Finance Lenders Law.

Employing Broker: Michael L. Morrell, is a Licensed Real Estate Broker, CA Dept. of Real Estate, License No. 00428809

If you have questions on mortgage practices, complaints, compliance, or advertisements, contact the Mortgage Lending unit, CA Dept. of Real Estate at (916) 227-0770; Fax number is (916) 227-0777; PO Box 187000, Sacramento, CA 95818-7000.

California Holden Act - Fair Lending Notice

THE HOUSING FINANCIAL DISCRIMINATION (HOLDEN) 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 OF 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; OR

2. 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 GEOGRAPHICAL 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:

Department of Real Estate
2201 Broadway
P.O. Box 187000
Sacramento, CA 95808-7000

 

Department of Corporations
320 West 4th Street
Suite 750
Los Angeles, CA 90013-1105

 

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