Disclosures

CashCall Mortgage announces the Affordable Mortgage Refinance Initiative (AMRI), designed to save you money on your new mortgage loan. The AMRI was created to provide borrowers with interest rate and payment reduction solutions not offered by their current lender. By refinancing your existing mortgage, your total finance charges may be higher over the life of the loan. To learn how much you can save, call us today at (866)708-5626 and mention the Affordable Mortgage Refinance Initiative.

30 Year Fixed - First Mortgage
Rates are subject to change without notice. Disclosed rate assumes a $400,000 rate and term refinance loan with 1.625 point buy down on an owner-occupied single family residence in California, minimum 740 FICO credit score, 60% or less loan to value with no subordinate debt and borrower is not self-employed. In addition to the points, estimated finance charges for this is scenario is $2,383. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify.
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15 Year Fixed - First Mortgage
Rates are subject to change without notice. Disclosed rate assumes a $500,000 rate and term refinance loan with 2.25 point buy down on an owner-occupied single family residence in California, minimum 760 FICO credit score, 50% loan to value with no subordinate debt, borrower is not self-employed. Total estimated finance charges for this is scenario is $2,383. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify.
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VA Fixed 30 Year Fixed
Rates are subject to change without notice. Disclosed rate assumes a base loan amount of $300,000 purchase loan with a 2.972 percent VA Funding Fee Financed on an owner-occupied single family residence, 2.917 point buy down, minimum 700 FICO credit score, 90% loan to value with no subordinate debt. Impounds for taxes and insurance required. Total estimated other finance charges for this is scenario is $2,773.95. If these factors are not met, you may still qualify for a loan. Subject to underwriting approval. Not all applicants will qualify.
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Investor Property 30 Year Fixed - First Mortgage
Rates are subject to change without notice. Disclosed rate assumes a $250,000 rate and term refinance loan with a .375 point buy down on a single-family residential investment property in California, 760 FICO credit score, less than or equal to 50% loan to value with no subordinate debt, no mortgage lates in the last 12 months, no credit event in the last 48 months, Debt to Service Coverage Ratio greater than 1.25, and a 5-year prepayment penalty. The total estimated finance charges for this scenario is $3,273. If these factors are not met, you may still qualify for a loan. Subject to underwriting approval. Not all applicants will qualify.
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Bank Statement 30 Year Fixed - First Mortgage
Rates are subject to change without notice. Disclosed rate assumes a $400,000 rate and term refinance loan with a 2.5 point buy down on an owner-occupied single-family residence in California, the borrower is self-employed, FICO credit score greater or equal to 760, 50% loan to value, no mortgage lates in the last 12 months, no credit event in the last 48 months, and no subordinate debt. Total estimated finance charges for this is scenario is $3,273. If these factors are not met, you may still qualify for a loan. Subject to underwriting approval. Not all applicants will qualify.
Click here to see what is my payment.

FHA 30 Year Fixed - First Mortgage Disclosed rate assumes a $300,000 rate and term refinance loan with 2.917 point buy down on an owner-occupied single-family residence in California, with 680 FICO credit score, 90% or less loan to value, mortgage insurance premium of 0.75%, with no subordinate debt and borrower is not self-employed. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify.

We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). 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), or send to:

Office of Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Room 5204
451 Seventh St. SW
Washington, DC 20410-2000

Or online: http://portal.hud.gov/hudportal/HUD?src=/program_offices/fair_housing_equal_opp/online-complaint

It is our policy to comply with the Equal Credit Opportunity Act and the Fair Housing Act. In addition, it is our policy to comply with state laws that provide greater protection. CashCall Mortgage does not discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; 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 any other basis prohibited by law.

At CashCall Mortgage, we do not discriminate against any applicant or discourage anyone on a prohibited basis from submitting an application.To assure that our employees have a clear and unequivocal statement of our commitment to a nondiscriminatory method of doing business, we have adopted the following fair lending policy. Employees must be thoroughly familiar with this policy and follow it.

1. We do not discriminate against a loan applicant or borrower on the basis of race, color, religion, national origin, sexual orientation, handicap, age, the fact that all or part of an applicant’s income comes from any public assistance program or because the applicant has exercised any right under any relevant state or federal law.
2. We do not selectively encourage applicants and we take no action that would, on a prohibited basis, discourage a reasonable person from applying for a mortgage loan.
3. We do not, on a prohibited basis, refuse to make a loan, vary the terms offered including the amount, interest rate, period or type of loan, or use different standards to evaluate collateral or decide whether to extend credit.
4. We avoid practices or policies that have a discriminatory effect. This rule applies to all phases of our mortgage lending business. It applies even though we do not intend the policy or practice to be discriminatory and even if the policy or practice appears to be neutral.
5. We have adopted nondiscriminatory loan underwriting standards that avoid subjective, unwritten rules that can have a discriminatory effect. We make these underwriting standards public upon request at each of our offices.
6. We make sure that our scoring system is empirically derived and statistically sound and uses no prohibited basis other than age as a predictive factor.
7. We train our loan personnel in the principles of fair processing and underwriting.
8. Our Quality Control Manager regularly reviews both our loan underwriting standards and the business practices by which we implement them to determine whether they ensure equal lending opportunity and reports to management.
9. We periodically review our loan portfolio and applications to make sure that we are serving the community adequately and on a nondiscriminatory basis in light of the community’s demographic characteristics and credit demands.
10. We conspicuously display the poster in a public area of each of our facilities stating that we are ascribing to the Equal Housing Act. Additionally, on all forms of advertisements, regardless of media, we include the Equal Housing Opportunity logo and/or the Equal Housing Opportunity slogan.

Licensed by California Department of Financial Protection and Innovation, Residential Mortgage Lending Act License number 4131083. 2nd Mortgage products in IL- Cook, Kane, Peoria & Will counties are not eligible for Primary and Second Homes.

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at Impac Mortgage Corp., 19800 MacArthur Blvd., Suite 500 Irvine, CA 92612 regarding the location where HMDA data may be inspected.

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 Financial Protection
320 West 4th Street
Suite 750
Los Angeles, CA 90013-1105

To help us prevent fraud and to assist the government in fighting the funding of terrorism and money laundering activities, we are obtaining, verifying, and recording information that identifies each person who applies for and/or obtains a mortgage loan. What this means for you: When you apply for and/or obtain a mortgage loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

When the loan is due and payable, some or all of the equity in the property that is the subject of the reverse mortgage no longer belongs to borrowers, who may need to sell the home or otherwise repay the loan with interest from other proceeds. The lender may charge an origination fee, mortgage insurance premium, closing costs and servicing fees (added to the balance of the loan). The balance of the loan grows over time and the lender charges interest on the balance. Borrowers are responsible for paying property taxes, homeowner’s insurance, maintenance, and related taxes (which may be substantial). We do not establish an escrow account for disbursements of these payments. A set-aside account can be set up to pay taxes and insurance and may be required in some cases. Borrowers must occupy home as their primary residence and pay for ongoing maintenance; otherwise the loan becomes due and payable. The loan also becomes due and payable (and the property may be subject to a tax lien, other encumbrance, or foreclosure) when the last borrower, or eligible non-borrowing surviving spouse, dies, sells the home, permanently moves out, defaults on taxes, insurance payments, or maintenance, or does not otherwise comply with the loan terms. Interest is not tax-deductible until the loan is partially or fully repaid.