Adair Financial Services is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, martial status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity,Washington, DC, 20580.

Adair Financial Services' Disclosure Requirements

Adair Financial Services is a licensed mortgage Broker (NMLS #4586). The following states require disclosure of licensing information. (If your state is not listed, it doesn't require a specific license disclosure.)

Oregon Division of Finance and Corporate Securities Mortgage Broker License #ML-2714
Idaho Department of Finance Mortgage Broker License- #MBL5093
Washington Department of Financial Institutions Mortgage Broker License- #MB-4586
Nationwide Mortgage Licensing System (NMLS) #4586

USA Patriot Act Notice

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OBTAINING A MORTGAGE LOAN

To help us prevent fraud and to help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who applies for and/or obtains a mortgage loan.

What this means to you: When you apply for and/or obtain a mortgage loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

The information being requested and observed is for compliance with the requirements of Section 326 of the USA Patriot Act implementing customer identification, and verification requirements.

Our Privacy Policy and Federal law will protect your identification.

Equal Housing Lender

We do business in accordance with federal Fair Lending Laws.

Under the federal Fair Housing Act, it is illegal, on the basis of race, color, national origin, religion, sex, handicap, or familial status (having children under the age of 18), to:

• Deny an loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling any loan secured by a dwelling; or
• Discriminate in fixing the amount, interest rate, duration, application procedure, or other terms or conditions of such a loan, or in appraising property.

If you believe you have been discriminated against, you should send a complaint to:

Assistant Secretary of Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Washington, DC 20410

Or call (800) 669-9777 / (800) 927-9275 (TDD)
and to Toll Free Number: 1-877-275-3342 (1-877-ASK-FDIC)

Mailing Address:

Federal Deposit Insurance Corporation
Consumer Response Center
1100 Walnut St., Box #11
Kansas City, MO 64106

For processing under the FDIC Regulations

Under the Equal Credit Opportunity Act, it is illegal to discriminate in any credit transaction:

• On the basis of race, color, national origin, religion, sex, marital status, or age;
• Because income is from public assistance; or
• Because a right was exercised under the Consumer Credit Protection Act.

If you believe you have been discriminated against, you should send a complaint to:

Toll Free Number: 1-877-275-3342 (1-877-ASK-FDIC)

Mailing Address:

Federal Deposit Insurance Corporation
Consumer Response Center
1100 Walnut St., Box #11
Kansas City, MO 64106