Licensing & Disclosures

DISCLOSURES

Statement on Business Practices

HSL is an Equal Housing Lender and fully supports the Fair Housing Act and similar statutes. We have zero tolerance for any form of discrimination in our mortgage lending practices and activities. We have a steadfast commitment to fair and responsible lending and to ensuring all applicants have an equal opportunity to apply for and obtain credit. We do not engage in business practices that discriminate on the basis of race, color, sex, sexual orientation, national origin, religion, age, marital or familial status, disability, receipt of public assistance, or an applicant's exercise of his or her rights under the Consumer Credit Protection Act. We encourage and support affirmative advertising and marketing programs in which there are no barriers to obtaining housing as a result of discrimination. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

HSL is an Equal Opportunity Employer.  We prohibit discrimination and harassment of any type based on race, color, religion, age, sex, national origin, disability status, genetic information, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

Anti-Fraud Disclosure

Electronic communications such as email, text messages and social media messaging, are neither secure nor confidential. While HSL has adopted policies and procedures to aid in avoiding fraud, even the best security protections can still be bypassed by unauthorized parties. HSL will never send you any electronic communication with instructions to transfer funds or to provide nonpublic personal information, such as credit card or debit numbers or bank account and/or routing numbers.

YOU SHOULD NEVER TRANSMIT NONPUBLIC PERSONAL INFORMATION, SUCH AS CREDIT OR DEBIT CARD NUMBERS OR BANK ACCOUNT OR ROUTING NUMBERS, BY EMAIL OR OTHER UNSECURED ELECTRONIC COMMUNICATION. EMAILS ATTEMPTING TO INDUCE FRAUDULENT WIRE TRANSFERS ARE COMMON AND MAY APPEAR TO COME FROM A TRUSTED SOURCE.

If you receive any electronic communication directing you to transfer funds or provide nonpublic personal information, EVEN IF THAT ELECTRONIC COMMUNICATION APPEARS TO BE FROM HSL or its affiliates, do not respond to it and immediately contact your mortgage loan originator. Such requests, even if they may otherwise appear to be legitimate, are likely part of a scheme to defraud you by stealing funds from you or using your identity to commit a crime.  Notify us immediately of suspected fraud related to your transaction by sending an email to fraud.prevention@phmloans.com.  For more information, see our Fraud Prevention Warning.