Hopkins Financial is a Lender in Idaho specializing in non-conforming loans.
State of Idaho: Dept of Finance - Mortgage Broker License No. 910 / NMLS#2631
Idaho Real Estate License – State of Idaho: Idaho Real Estate Commission, License # DB3674
The Housing Financial Discrimination act of 1977 - Fair Lending Notice
It is illegal to discriminate in the provision 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 the particular case that such consideration is required to avoid an unsafe or unsound business practice; or
- Race, color, religion, sex, marital status, national origin or ancestry. It is illegal to consider racial, ethnic, religious or national origin composition of a neighborhood 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 determining whether or not or under what terms and conditions to provide financial assistance.
These provisions govern financial assistance for the purpose of purchase, construction, rehabilitation, improvement or refinancing of a one-to-four family residences occupied by the owner and for the purposes of the home improvement of any one-to-four family residence.
If you have any questions about your rights, or if you wish to file a complaint, contact the management of this institution or:
Department of Corporations
600 South Commonwealth Ave. 16th Floor
Los Angeles, Ca 90005
Department of Corporations
1390 Market Street
San Francisco, CA 94102
Department of Real Estate
185 Berry Street #3400
San Francisco, CA 94107
Equal Credit Opportunity Act - Notice to Applicants
The Federal equal Credit Opportunity Act prohibits creditors from discriminating against applicants in the basis of sex or marital status. The Federal agency which administers compliance with this law concerning this lender is:
Equal Credit Opportunity, Federal Trade Commission, Washington, D.C.
A lender will not refuse, by reason of sex or marital status, to make a separate mortgage loan to any applicant who is or will be sole and separate owner of the property. If more than one person, whether or nor husband and wife, are or will be the owners, or if the property is or will be community property, then all must apply for and become liable for this loan.
No information need be furnished with respect to spouse or former spouse who is not an applicant unless the applicant is relying on community property or alimony, child support or maintenance payments from the spouse or former spouse as a basis for repayment of the loan.
If the information furnished in this application does not show an adequate credit standing for the applicant, the lender will not be in a position to process the application. Therefore, it is in the interest of the applicant to furnish all pertinent credit information even though not required.