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Lending Solutions, Inc. DBA LSI Mortgage Plus

Fair Lending Statement

 

Lending Solutions, Inc. d/b/a LSI Mortgage Plus is committed to lending fairness and fair lending practices.

 

The Equal Credit Opportunity Act and the Fair Housing Act expressly prohibit discrimination on the basis of race, color, religion, national origin, marital status, age (provided the applicant is of legal age to have the capacity to enter into a binding legal contract), sex, disability, familial status, receipt of public assistance, or the exercise in good faith of any right under the Consumer Credit Protection Act in any aspect of a loan transaction.  The aforementioned are commonly known as prohibited bases.

 

State and federal laws governing unfair and deceptive trade practices prohibit lenders from engaging in practices which misrepresent or omit information that causes customers to be mislead as to the true nature of a product or service, or which cause substantial injury to a consumer.

 

All mortgage products offered by LSI Mortgage Plus shall be available to all applicants on a consistent and fair basis, provided the applicants meet our guidelines of safe and sound lending along with applicable credit policies and business focuses.

 

No applicant shall be discouraged on a prohibited basis from applying for mortgage loan products offered by LSI Mortgage Plus.

 

LSI Mortgage Plus shall comply with all fair lending laws and regulations including the Equal Credit Opportunity Act, the Home Mortgage Disclosure Act, and the Fair Housing Act.

 

LSI Mortgage Plus, or any employee thereof, shall not discriminate against any credit request on the basis of race, color, religion, national origin, marital status, age (provided the applicant is of legal age to have the capacity to enter into a binding legal contract), sex, sexual orientation, disability, familial status, receipt of public assistance, or if the individual has exercised in good faith any right under the Consumer Credit Protection Act, or on any other prohibited basis.

 

LSI Mortgage Plus shall comply with all laws and regulations prohibiting unfair and deceptive trade practices by adopting policies and procedures to ensure that information provided to customers and potential customers is complete and accurate; to clearly and accurately disclose all material product or service features; and to maintain complaint processes to ensure that any complaints alleging unfair or deceptive practices are researched and adequately addressed.

 

LSI Mortgage Plus shall have such policies, underwriting standards, training, review, and compliance procedures as may be required to ensure compliance with both the technical requirements and spirit of this Fair Lending Policy Statement.