Fair Lending Disclosures

Western Heritage Financial Quality Control Policy
It is Western Heritage Financials policy to provide affordable mortgage financing in a fair and responsible manner. Western Heritage Financial will monitor the practices of responsible lending under its Quality Control Policy. This policy monitors practices that fall under the umbrella of Predatory Lending.

Fair Lending Statement
Western Heritage Financial, Inc. operates in accordance with the provisions of the Fair Housing Act and Equal Credit Opportunity Act. The Fair Housing Act makes it unlawful to discriminate in housing-related activities against any person because of race, color, religion, national origin, sex, handicap, or familial status. The Equal Credit Opportunity Act prohibits discrimination with respect to any aspect of a credit transaction on the basis of sex, race, color, religion, national origin, marital status, age (provided the borrower has the capacity to enter into a binding contract), receipt of public assistance, or because the borrower has in good faith exercised any right under the Consumer Credit Protection Act. Western Heritage Financial fully supports the letter and spirit of both of these laws and will not condone discrimination in any mortgage transaction.