Tracie Snyder

Customer Complaint Policy It is the policy of our company to respond to customer complaints, disputes and issues immediately, to take each complaint seriously, to investigate each complaint however small it is – immediately and to take remedial actions swiftly. As soon as a complaint is received, it is documented and is logged into a special log. The complaint is sent directly to the Customer Complaint Officer or his designate, in order to take action. All complaints and records of complaints are kept in a special complaints binder along with all the Customer Complaint Officer's Quality Control Files and other written policies so employees can easily access them and use them to provide better customer service. Reports on complaints are reviewed during the Customer Complaint Officer's meetings with our Board. We are focused on providing financial products and services to all customers in compliance with all Federal and State regulatory policies including but not limited to consumer protection, fair lending and civil rights laws. For more information, contact us at the number on the Home Page. Disclaimer Home Loans of Florida, LLC (NMLS #2665433) is located at 1411 S. Woodland Blvd, Deland, Florida 32720. Home Loans of Florida, LLC is licensed in the states it originates mortgage loans. Licensed as a mortgage lender/Servicer in Florida by the Office of Financial Regulation No. MLD677. In accordance with Section 326 of the USA PATRIOT Act of 2001, Home Loans of Florida, LLC is required to obtain a copy of the documents used in identifying our new account customers. This notice is being provided to you for adequate notice given under this act. All loans are subject to terms and conditions. Not all applicants may qualify. Loans are subject to credit approval. Programs, rates, terms and conditions are current, but are subject to change and may expire without notice. Other restrictions may apply. All applications must be submitted in writing. This advertisement or information on this website is not a loan disclosure and all disclosures provided after applying should be reviewed carefully. This is not a commitment to lend. Equal Housing Lender. NMLS #2665433. Home Mortgage Disclosure Act To govern how lending institutions report loan data, congress enacted the Home Mortgage Disclosure Act in 1975. The data to be reported includes ethnicity, race, sex, and income of applicants and borrowers: geographic distribution of loans and applications; and information about loan approvals and denials. For loans and applications of the previous calendar year, the data is reported by the lending institutions on the first of March. If requested, lenders need to have the information available within 30 days of the request but not earlier than March 31st. To receive a copy of this data send a written request to: Home Loans of Florida, LLC 1411 S Woodland Blvd Deland, FL 32720 The Federal Equal Credit Opportunity Act 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 (providing 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. Fair Lending Statement Home Loans of Florida, LLC is committed to treating all individual fairly and equitably in the conduct of its lending practices in all jurisdictions where it conducts business. This commitment is part of our fundamental mission of providing quality financial services to existing and prospective customers in accordance with all applicable laws. In the United States, this principle is embodied in fair lending laws such as the Equal Credit Opportunity Act and the Fair Housing Act. These laws require the equitable treatment of all credit applicants, without regard to race; sex; sexual orientation; color; creed; national origin; religion; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; marital status; familial status (number and age of children); military status; disability; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Service members Civil Relief Act(SCRA); that all or part of a consumer’s income derives from a public assistance program; or other prohibited basis. Denying any person equal access to basic economic opportunities such as home ownership or credit is morally repugnant has no place in our company and will not be tolerated.