Required federal mortgage lending disclosures to ensure transparency and compliance.
Under Regulation Z of the Truth in Lending Act, lenders must disclose the Annual Percentage Rate (APR), Finance Charge, Amount Financed, and Total of Payments to borrowers in writing before or at closing.
Key TILA Disclosures Include:
The Real Estate Settlement Procedures Act (RESPA) requires lenders to provide a Loan Estimate within three business days of application and a Closing Disclosure at least three business days before closing.
Loan Estimate Contents:
Closing Disclosure Contents:
TRI-GLOBAL EQUITIES is committed to fair lending practices and complies with the Fair Housing Act and Equal Credit Opportunity Act.
We do not discriminate based on race, color, religion, sex, handicap, familial status, or national origin in our lending decisions. All applicants are evaluated on the basis of their creditworthiness, income, assets, debt, and ability to repay.
If you believe you have been discriminated against, you may file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov or the HUD Office of Fair Housing and Equal Opportunity.
TRI-GLOBAL EQUITIES offers a variety of mortgage loan products designed for different borrower needs and circumstances.
Available Loan Programs:
Specific terms, rates, fees, and eligibility requirements vary by program and borrower circumstances. Contact us for detailed program information.
TRI-GLOBAL EQUITIES adheres to all state and federal anti-predatory lending laws designed to protect consumers.
Our Commitment: We provide clear, understandable loan terms and avoid unfair, deceptive, or abusive practices. We do not offer loans with negative amortization, balloon payments without clear disclosure, or other predatory features without full borrower understanding and consent.
Contact TRI-GLOBAL EQUITIES for more information:
