DISCLOSURES
In accordance with the Equal Credit Opportunity Act, AdvantageFirst Lending Inc. does not discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Service members Civil Relief Act (SCRA); that all or part of a consumer’s income derives from a public assistance program; or any other basis prohibited by law.
Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.
Privacy Notice
Find out how AdvantageFirst Lending Inc. shares your personal information. AdvantageFirst Lending Inc.’s Privacy Notice indicates how AdvantageFirst Lending shares your personal information in accordance with federal law and state law.
California Residents - CCPA Privacy Notice
In addition to the Policy Terms linked above, California Residents have the following additional rights under the California Consumer Protection Act:
Right To Know
In addition to the Policy Terms linked above, California Residents have the following additional rights under the California Consumer Protection Act:
Right to Request Deletion
Right to Access
In some circumstance, subject to verification of your identity and your request to access your Personal Information, we may provide you with the Personal Information which has been provided electronically about you in readily usable machine-readable format, to the extent technically feasible.
View AdvantageFirst Lending Inc’s full CCPA Privacy Notice.
Non-Discrimination
Consumers will not receive discriminatory treatment by AdvantageFirst Lending for the exercise of their privacy rights outlined above and conferred by the California Consumer Protection Act.
Texas Disclosure - For property located in Texas
AdvantageFirst Lending Inc. is licensed under the laws of the state of Texas and by state law is subject to regulatory oversight by the department of savings and mortgage lending.
Consumers wishing to file a complaint against a company or a 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 WWW.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 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 WWW.SML.TEXAS.GOV
Notice of Error/Requests for Information/General Complaints
LICENSING
NMLS Consumer Access
Licenses
AdvantageFirst Lending Inc. supports Equal Housing Opportunity. NMLS ID# 1209177
State Licensing
Below is a list of licenses AdvantageFirst Lending Inc. holds in each state
- ALABAMA – Consumer Credit License No. 1209177
- ARIZONA – Main Office Licensed as a Mortgage Banker with the Arizona Department of Financial Institutions No. 1017784
- CALIFORNIA – Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 60DBO-80075
- CALIFORNIA – Licensed by the California Department of Real Estate Real Estate Corporation License No. 01957524
- COLORADO – Mortgage Company Registration – Regulated by the Division of Real Estate – dre.colorado.gov
- FLORIDA – Licensed as a Mortgage Lender by the Office of Financial Regulation No. MLD1900
- GEORGIA – Georgia Residential Mortgage Licensee – Licensed as a Mortgage Lender by the Department of Banking and Finance No. 1209177
- HUD – Approved Lender
- IDAHO – Licensed as a Mortgage Broker/Lender No. MBL-2081209177
- ILLINOIS – Illinois Residential Mortgage Licensee No. MB.6761627 – Licensed by the Department of Financial and Professional Regulation, Mortgage Banking Division, 100 West Randolph, 9th Floor, Chicago, IL 60601, (888) 473-4858
- INDIANA – Licensed by the Department of Financial Institutions Mortgage Lending License No. 73690
- IOWA – Mortgage Banker License No. 2025-0036
- KENTUCKY – Mortgage Company License No. MC883430
- LOUISIANA – Residential Mortgage Lending License
- MAINE – Licensed as a Supervised Lender by the Bureau of Consumer Credit Protection No. 1209177
- MASSACHUSETTS – AdvantageFirst Lending Inc., Mortgage Lender License No. ML1209177
- MARYLAND – Licensed as a Mortgage Lender by the Commissioner of Financial Regulation No. 1209177
- MICHIGAN – 1st and 2nd Mortgage Broker/Lender License No. FL0024121 & SR0026008
- MINNESOTA – Residential Mortgage originator License No. MN-MO-1209177. This is not an offer to enter into an agreement. Any such offer may only be made in accordance with the requirements of Minn. Stat. Section 47.206 (3) and (4).
- NEBRASKA – Mortgage Banker License
- NEW JERSEY – Licensed by the NJ Department of Banking and Insurance as a Residential Mortgage Lender
- NEW MEXICO – Mortgage Loan Company License
- NORTH CAROLINA – Licensed as a Mortgage Lender by the Commissioner of Banks No. L-210951
- OHIO – Residential Mortgage Lending Act Certificate of Registration RM 804845.000
- OKLAHOMA – Licensed as a Mortgage Lender by the Department of Consumer Credit No. ML017251
- OREGON – Licensed by Oregon Division of Financial Regulation Mortgage Lending License No. 1209177
- PENNSYLVANIA – Licensed Mortgage Lender No. 90102
- SOUTH CAROLINA – Licensed by the Board of Financial Institutions Mortgage Lender/Servicer License No. MLS-1209177
- TENNESSEE – Mortgage License No. 1209177
- TEXAS – NMLS No. 1209177. TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705. TEL: 1-877-276-5550.INFORMATION AND FORMS ARE AVAILABLE ON SML’S WEBSITE: sml.texas.gov.
- COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 North Lamar, Suite 201, Austin, Texas 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
- WASHINGTON – Licensed by the Department of Financial Institutions under the Consumer Loan Act No. CL-1209177 Visit: www.nmlsconsumeraccess.org
AdvantageFirst Lending Inc. does business under the following names:
Advantage1st, AdvantageFirst Lending, AdvantageReverse Lending