Disclosures

NMLS Information

Company Name: A Good Lender

NMLS ID: 1692403

Licensed by: California Department of Financial Protection and Innovation

California DRE: DRE #01142903

License Verification: Visit NMLS Consumer Access to verify our license status

Business Information

Business Address:
4683 Chabot Dr #280
Pleasanton, CA 94588

Phone: (510) 589-4096

Email: info@agoodlender.com

Hours: Available 24/7 for mortgage inquiries

We Are a Mortgage Broker, Not a Direct Lender

A Good Lender is a mortgage broker. We do not lend money directly. Instead, we:

• Work with multiple lenders to find loan products that meet your needs
• Submit your loan application to appropriate lenders
• Assist you throughout the loan process
• Facilitate communication between you and the lender

Compensation Disclosure

How We Are Compensated:

• We may receive compensation from lenders for our brokerage services
• Compensation may be in the form of origination fees, yield spread premiums, or other fees
• Compensation does not affect your interest rate or loan terms
• You will receive a Loan Estimate that details all fees, including broker compensation

Lender Selection

We select lenders based on:

• Competitive rates and terms
• Loan program availability
• Your specific qualifications and needs
• Lender reputation and service quality

Important: We are not obligated to use any particular lender and will work to find the best option for your situation.

Equal Housing Opportunity

A Good Lender is an Equal Housing Opportunity lender.

We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, familial status, disability, sexual orientation, source of income, or any other protected class under federal or state law.

Your Rights

If you believe you have been discriminated against, you may file a complaint with:

U.S. Department of Housing and Urban Development (HUD)
Office of Fair Housing and Equal Opportunity
Website: www.hud.gov/fairhousing
Phone: 1-800-669-9777 (Voice) | 1-800-927-9275 (TTY)

California Department of Fair Employment and Housing (DFEH)
Website: www.dfeh.ca.gov
Phone: 1-800-884-1684

See our Fair Lending Policy for more information.

Not a Commitment to Lend

The information on this website is NOT a commitment to lend.

• All loan applications are subject to credit approval and underwriting
• Pre-qualification or pre-approval does not guarantee final loan approval
• Rates, terms, and fees are subject to change without notice
• Actual loan terms may vary based on your creditworthiness and circumstances

Loan Estimate

Within 3 business days of receiving your completed loan application, you will receive a Loan Estimate that includes:

• Loan amount and interest rate
• Estimated monthly payment
• Closing costs and fees
• Loan terms and features
• Important loan information

Closing Disclosure

At least 3 business days before closing, you will receive a Closing Disclosure with final loan terms and closing costs. Review it carefully and compare it to your Loan Estimate.

Under the Truth in Lending Act, you have the right to know:

• Annual Percentage Rate (APR): The cost of your credit as a yearly rate
• Finance Charge: The dollar amount the credit will cost you
• Amount Financed: The amount of credit provided to you
• Total of Payments: The amount you will have paid after making all scheduled payments
• Payment Schedule: The number, amount, and due dates of payments

Right to Rescind

For certain refinance transactions on your primary residence, you have the right to cancel the loan within 3 business days of closing without penalty.

Section 8 - Anti-Kickback Provision

RESPA prohibits:

• Kickbacks or unearned fees in connection with real estate settlement services
• Fee splitting arrangements that do not reflect actual services rendered
• Giving or receiving anything of value in exchange for referrals

Affiliated Business Arrangements

If we refer you to a business in which we have an ownership interest or business relationship, we will provide you with an Affiliated Business Arrangement Disclosure as required by RESPA.

Your Rights Under RESPA

You have the right to:

• Shop for settlement services
• Receive a Loan Estimate within 3 business days of application
• Receive a Closing Disclosure at least 3 business days before closing
• Request a list of service providers
• Not be required to use any particular provider

Credit Report Authorization

Before obtaining your credit report, we must have your written authorization. By signing a loan application or credit authorization form, you consent to us obtaining credit reports about you from consumer reporting agencies.

Your Rights Under FCRA

• You have the right to obtain a free credit report annually from each credit bureau at www.annualcreditreport.com
• You have the right to dispute inaccurate or incomplete information
• Credit bureaus must investigate disputes within 30 days
• You have the right to place a fraud alert or credit freeze on your credit file

Adverse Action Notice

If we take adverse action (such as denying your loan application) based on information in your credit report, we will provide you with:

• The name, address, and phone number of the credit bureau
• A statement that the credit bureau did not make the decision
• Notice of your right to obtain a free copy of your credit report within 60 days
• Notice of your right to dispute inaccurate information

California Consumer Financial Privacy Act

Under California law, you have specific rights regarding how we share your personal information. See our Privacy Policy for details.

California Fair Lending Notice

California law prohibits discrimination in mortgage lending based on race, color, religion, sex, marital status, national origin, ancestry, familial status, source of income, disability, veteran or military status, sexual orientation, or gender identity.

Right to Appraisal Copy

Under California law, you have the right to receive a copy of any appraisal report used in connection with your loan application. We will provide this to you automatically.

California Department of Financial Protection and Innovation (DFPI)

We are licensed and regulated by the California DFPI. If you have a complaint, you may contact:

California DFPI
Consumer Services Office
Website: dfpi.ca.gov/file-a-complaint/
Phone: 1-866-275-2677
Email: consumer.services@dfpi.ca.gov

Federal law requires us to collect demographic information (race, ethnicity, sex, age) to help government agencies identify potential discriminatory lending patterns.

Important Information About HMDA Data Collection

• Providing this information is VOLUNTARY
• You may refuse to provide this information
• We cannot discriminate based on whether you provide the information
• The information will NOT affect your credit decision
• If you choose not to provide it, federal regulations require us to note race, ethnicity, and sex based on visual observation or surname
• The data is reported to federal government for statistical purposes only

We offer the ability to receive documents electronically and to sign documents using electronic signatures.

E-SIGN Act Compliance

Electronic records and signatures have the same legal effect as paper documents and handwritten signatures under the Electronic Signatures in Global and National Commerce Act (E-SIGN Act).

Your Rights

• You have the right to receive paper copies of any electronic documents
• You can withdraw your consent to electronic delivery at any time
• Withdrawing consent does not affect documents you've already signed electronically

See our Electronic Signature Consent Agreement for complete details.

Gramm-Leach-Bliley Act (GLBA) Privacy Notice

As a financial institution, we collect and use your personal and financial information. We are committed to protecting your privacy and complying with the Gramm-Leach-Bliley Act.

What We Collect

• Personal information (name, address, Social Security number)
• Financial information (income, assets, liabilities, credit history)
• Transaction information (loan application details)

How We Protect Your Information

• We use encryption to protect data transmission
• We maintain physical, electronic, and procedural safeguards
• We limit access to authorized personnel only
• We train employees on privacy and security

See our Privacy Policy for complete information about how we collect, use, and protect your information.

Dodd-Frank Appraisal Independence Requirements

Federal law prohibits mortgage brokers, lenders, and their employees from influencing or attempting to influence the development, reporting, result, or review of an appraisal through:

• Coercion, extortion, or intimidation
• Compensation, inducement, or bribery
• Instruction or collusion
• Any other manner that would compromise the independence or integrity of the appraisal

Our Appraisal Independence Policies

To ensure appraisal independence and protect you, we maintain strict policies including:

• Separation of Functions: Appraisal ordering is separated from loan production staff
• No Direct Contact: Loan officers are prohibited from directly contacting appraisers
• Firewall Procedures: Information barriers between appraisal management and loan origination
• Training: All staff receive training on appraisal independence requirements
• Monitoring: Regular compliance monitoring and audits

Your Appraisal Rights

• Right to Receive Copy: You have the right to receive a copy of any appraisal report used in connection with your loan application
• Timing: We will provide the appraisal to you at least 3 business days before loan closing
• Early Copy: You may request a copy earlier in the process
• No Charge: You will receive at least one copy at no additional charge
• Reconsideration: If you believe the appraisal contains errors, you may submit a reconsideration of value request with supporting documentation

Report Appraisal Concerns

If you believe appraisal independence has been compromised or if you have concerns about an appraisal, you may contact:

• Our Compliance Officer: info@agoodlender.com
• Consumer Financial Protection Bureau (CFPB): 1-855-411-2372 or www.consumerfinance.gov/complaint/
• California DFPI: 1-866-275-2677 or dfpi.ca.gov/file-a-complaint/
• Appraisal Subcommittee (ASC): www.asc.gov

Protections for Active Duty Military

If you are a "covered borrower" under the Military Lending Act (MLA), you are entitled to important protections and disclosures.

Who is a "Covered Borrower"?

You are a covered borrower if you are:

• A member of the Armed Forces on active duty
• A member of the National Guard or Reserves on active duty (not including training)
• A dependent of an active duty service member (spouse or child)

MLA Protections

Under the MLA, covered borrowers are entitled to:

• Interest Rate Cap: The Military Annual Percentage Rate (MAPR) cannot exceed 36% for covered loans
• Fee Restrictions: Certain fees cannot be charged (credit insurance, fees for ancillary products)
• Mandatory Arbitration: Lenders cannot require mandatory arbitration agreements
• Prepayment Penalties: No prepayment penalties are allowed
• Clear Disclosures: Right to receive clear information about loan terms and MAPR

Important Information About MLA Coverage

Note: The MLA does NOT apply to all mortgage transactions. Specifically:

• Purchase Loans: Residential mortgage loans to purchase a dwelling are generally NOT covered by MLA
• Covered Transactions: MLA typically applies to:
  • Refinance loans (that are not purchase-money loans)
  • Home Equity Lines of Credit (HELOCs)
  • Certain personal loans
  • Credit cards

How to Determine MLA Status

To determine if you are a covered borrower, we will:

• Ask if you are an active duty service member or dependent
• Verify your status through the Department of Defense's MLA Database
• Provide required MLA disclosures if you are a covered borrower

Your MLA Rights and Disclosures

If you are a covered borrower on a covered transaction, we will provide you with:

• Oral Disclosure: Before or at the time you become obligated on the transaction
• Written Disclosure: A description of the payment obligation and the MAPR
• Clear Statement: A statement that federal law provides important protections to active duty military and their dependents

Additional Resources for Military Borrowers

For more information about your rights under the MLA:

• Consumer Financial Protection Bureau (CFPB): www.consumerfinance.gov/consumer-tools/military-financial-lifecycle/military-lending-act-mla/
• Department of Defense: www.militaryonesource.mil
• Legal Assistance: Contact your installation's legal assistance office

We Support Our Military

A Good Lender is proud to serve active duty military, veterans, and their families. We are committed to full compliance with the MLA and providing excellent service to those who serve our country.

If you have questions about MLA protections or your status as a covered borrower, please contact us at (510) 589-4096.

Information Accuracy

While we strive to provide accurate information on our website:

• Interest rates and terms are subject to change without notice
• Information may contain errors or omissions
• We make no warranties about the accuracy or completeness of information
• You should verify all information before making decisions

Calculator Disclaimers

Mortgage calculators on our website:

• Are for estimation purposes only
• May not reflect actual loan terms
• Do not include all costs (property taxes, insurance, HOA fees)
• Should not be relied upon without verification

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for:

• The content of third-party websites
• The privacy practices of third-party websites
• Any damages arising from your use of third-party websites