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The Fair Housing Act

The Civil Rights Act of 1968, as amended by the 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 residential lots
  • 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 Fair Lending Notice/The Holden Act

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
Or
  • 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. In addition, these provisions govern financial assistance for the improvement or rehabilitation of any owner occupied one to four unit dwelling. 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 "ECOA"

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. If you have any questions regarding your rights, or if you wish to file a complaint, please contact the company listed below:
The Federal Trade Commission Equal Credit Opportunity Room 4037 Washington DC 20580

"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, does not change. "No up front fees" means that American Home Loans does not charge up front fees for application. This does not apply to "appraisal fee" that may be charged up-front.

Special Notices
The following statement applies to advertisements in the State of Minnesota: This advertisement is not an offer to enter an interest rate lock-in agreement under Minnesota Law. Any such offer may only be made in accordance with the requirements of Minnesota State Section 47.206 (3) and (4).


Equal Housing Opportunity LenderAmerican Home Loans is an Equal Housing Opportunity Lender

Copyright 2006 American Home Loans
16541 Gothard Street, Suite 104 Huntington Beach, CA 92647. Phone: 800-967-3020.Contact Us