October 2022 - Carlsbad Mortgage Company | MortgageOne, Inc

Building Your Credit

October 25, 2022
Bryce Schetselaar
First Time Home Buyer, Home Owner Tips, Mortgage News, Mortgage Tips

If you are getting ready to buy a house in the next few years, taking time to build your credit is a great way to get the best rates and keep your costs down. Here are a few steps that…

Questions for Your Real Estate Agent

October 19, 2022
Bryce Schetselaar
First Time Home Buyer, Home Owner Tips, Real Estate Tips

Getting ready to buy or sell a home? You are probably working with a real estate agent or considering reaching out to one for their expertise and guidance. Here are a few questions to help you find the right fit.…

Fall Yard Maintenance Tips for the Homeowner

October 11, 2022
Bryce Schetselaar
Mortgage News

As the air turns crisp and leaves start to fall, there are steps that homeowners can take to keep their houses in the best shape possible. Not only does this help you enjoy your home, it can also keep costs…

Read This before Listing Your Home For Sale by Owner

Considering selling your home? You may have thought about listing it yourself as For Sale by Owner or FSBO. This means that you will do all of the work to market, show, and sell your home without the assistance of…

Attn: ILLINOIS APPLICANTS
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. YOU MAY ALSO SUBMIT SIGNED, WRITTEN COMMENTS ABOUT OUR PERFORMANCE IN MEETING COMMUNITY FINANCIAL SERVICES NEEDS TO THE DEPARTMENT.
(SOURCE: P.A. 101-657, EFF. 3-23-21.)

Attn: OREGON APPLICANTS:
RESIDENTIAL MORTGAGE LOAN SERVICERS ARE REGULATED BY THE OREGON DIVISION OF FINANCIAL REGULATION. TO FILE A COMPLAINT, CALL 866-814-9710 OR VISIT HTTP://DFR.OREGON.GOV.

Attn: TEXAS APPLICANTS:
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.

Attn: ILLINOIS APPLICANTS (205 ILCS 735/35-20)
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. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.
(Source: P.A. 101-657, eff. 3-23-21.)

**Mortgage and Real Estate Wire Transfer Fraud is on the Rise. Be aware that MortgageOne, Inc. will never send/email wiring instructions and all wiring instructions received should be verbally verified with escrow, closing attorney or title company office.**

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