Equal Housing Information


**Download Fair Housing Booklet – CLICK HERE

According to U.S. Department of Housing and Urban Development, “Discrimination in mortgage lending is prohibited by the federal Fair Housing Act and HUD’s Office of Fair Housing and Equal Opportunity actively enforces those provisions of the law."

The Fair Housing Act makes it unlawful to engage in the following practices based on race, color, national origin, religion, sex, familial status or handicap (disability):
  • Refuse to make a mortgage loan
  • Refuse to provide information regarding loans
  • Impose different terms or conditions on a loan, such as different interest rates, points, or fees
  • Final Underwriting Process
  • Discriminate in appraising property
  • Refuse to purchase a loan or set different terms or conditions for purchasing a loan
  • Filing A Complaint:

    Housing discrimination based on your race, color, national origin, religion, sex, family status, or disability is illegal by federal law. If you have been trying to buy or rent a home or apartment and you believe your rights have been violated, you can file a fair housing complaint.

    If you have experienced any one of the above actions, you may be the victim of discrimination. Recognizing the signs of lending discrimination is the first step in filing a complaint. HUD investigates your complaints at no cost to you. If you believe you have experienced lending discrimination, visit the housing discrimination complaint website to learn more about the complaint process.

    Home Mortgage Disclosure Act

    Enacted by Congress in 1975, the Home Mortgage Disclosure Act legislates the reporting of loan data by lending institutions. This includes geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials.

    This data is reported by the lending institutions on the first of March for loans and applications of the previous calendar year.

    The Federal Equal Credit Opportunity Act

    The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the bases 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 applicants income derives from any public assistance program; or, because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

    Overview of Fair Housing Enforecment

    The Office of Fair Housing and Equal Opportunity (FHEO) is an agency within the United States Department of Housing and Urban Development. FHEO is responsible for administering and enforcing federal fair housing laws and establishing policies that make sure all Americans have equal access to the housing of their choice.

    The mission of FHEO is to create equal housing opportunities for all persons living in America by administering laws that prohibit discrimination in housing on the basis of race, color, religion, sex, national origin, disability, and familial status

    The Fair Housing Act-

    Title VIII of the Civil Rights Act of 1968 (Fair Housing Act), as amended, prohibits discrimination in the sale, rental, and financing of dwellings, and in other housing-related transactions, based on race, color, national origin, religion, sex, familial status (including children under the age of 18 living with parents or legal custodians, pregnant women, and people securing custody of children under the age of 18), and handicap (disability)

    Title VI of the Civil Rights Act of 1964-

    Title VI prohibits discrimination on the basis of race, color, or national origin in programs and activities Receiving federal financial assistance.

    Section 504 of the Rehabilitation Act of 1973-

    Section 504 prohibits discrimination based on disability in any program or activity receiving federal financial assistance.

    Section 109 of Title 1 of the Housing and Community Development Act of 1974-

    Section 109 prohibits discrimination on the basis of race, color, national origin, sex or religion in programs and activities receiving financial assistance from HUD’s Community Development and Block Grant Program.

    Title II of the Americans with Disabilities Act of 1990-

    Title II prohibits discrimination based on disability in programs, services, and activities provided or made available by public entities. HUD enforces Title II when it relates to state and local public housing, housing assistance and housing referrals.

    Architectural Barriers Act of 1968-

    The Architectural Barriers Act requires that buildings and facilities designed, constructed, altered, or leased with certain federal funds after September 1969 must be accessible to and usable by handicapped persons.

    Age Discrimination Act of 1975-

    The Age Discrimination Act prohibits discrimination on the basis of age in programs or activities receiving federal financial assistance.

    Title IX of the Education Amendments Act of 1972-

    Title IX prohibits discrimination on the basis of sex in education programs or activities that receive federal financial assistance.

    Important Links

    This website acknowledges and adheres to the following:
    White LeaderOne Logo
    Equal Housing Lender Logo
    HUD Logo
    Mortgage Bankers Association Logo
  • Loan Officer Information
  • NMLS Consumer Access
  • 1010 S 336th St. Suite 324, Federal Way, WA 98003
  • Company NMLS 12007
  • CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE ATWWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV.