FHA Loan Archives - Carlsbad Mortgage Company

Understanding and Using the FHA Loan

April 19, 2022
Bryce Schetselaar
FHA Loan

If you are looking to buy a home in a rural area and don’t have a lot of money for a down payment, an FHA loan may be the perfect solution for you. What is the FHA Loan? The FHA…

What You Need to Know about the FHA Loan

Getting ready to purchase a home? You’ve probably heard about the FHA loan, especially if you are a first-time homebuyer. What is this home loan option and is it right for you? Using an FHA loan can be a great…

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:
TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY 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.

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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