Our Fair Lending Statement:

The Following Fair Lending Statement was adopted by Senior Management in January 2013 –

Homeowners Financial Group USA, LLC believes in the, “American Dream of home ownership” and we continue to strive to positively impact the lives of individuals that come into contact with our organization. We believe in equal access to credit to all individuals without regard to race, sex, sexual orientation, religion, age, marital status, disability or other prohibited basis.

Our company culture promotes the highest ethical standards, to ensure we are vigilant in compliance with all regulatory and statutory requirements. Our employees receive periodic training on fair lending laws and our loan officers and their assistants are licensed professionals who provide careful analysis of each applicant’s financial situation, intending to assess their true ability and willingness to repay the loan and by providing the best mortgage loan product for the consumer’s financial situation. Our company culture focuses more on the welfare of the borrower and adherence to our regulatory obligations than monetary gain.

We are committed to providing excellent service to our borrowers and promoting an environment of fair and equal access to credit for all individuals.

State Licensing:

ArizonaBK 0906222
CaliforniaLicensed by the DFPI under the CA RMLA 4131292

CFL 60DBO80189
ColoradoCO Mortgage Company Registration
GeorgiaGA Residential Mortgage Licensee #53577
Illinois*Illinois Residential Mortgage Licensee MB.6761024
MichiganFR0023586 and SR0023587
New Mexico03068
North CarolinaL-166403
North DakotaMB102538
PennsylvaniaPennsylvania Mortgage Lender License
South CarolinaMLS-93718
South DakotaML.05089
Texas**Mortgage Banker Registration

Residential First Mortgage Notification

*James R. Thompson Center
IDFPR-Residential Mortgage Banking
100 W. Randolph, 9th Floor
Chicago, Illinois, 60601
Tel: (844) 768-1713

STATE OF ILLINOIS COMMUNITY REINVESTMENT NOTICE: The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation once the Department completes our first evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department. We will update this notice when our first evaluation has been issued.

**Texas Residents 7 TAC §81.200(c) “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 at 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 website at”

This is not a commitment to engage in a loan transaction. All loan products and loan amounts may not be available in your area and are subject to credit and property approval pursuant to agency and investor guidelines. Information, rates and programs are subject to change without prior notice. Some products may not be offered directly by Homeowners Financial Group USA, LLC (HFG) but are offered through a lender with whom HFG has a business relationship. Other restrictions and limitations may apply.