Disclosures

Acre Mortgage is an Equal Housing Lender and conducts its mortgage lending in a manner consistent with all federal and state fair lending laws, including the following:

The Equal Credit Opportunity Act (“ECOA”) prohibits discrimination on the basis of a prohibited basis, which is defined as race, color, religion, national origin, sex, marital status, or age (provided that the applicant has the capacity to enter into a binding contract); the fact that all or part of the applicant's income derives from any public assistance program; or the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act or any state law upon which an exemption has been granted by the Board.

The Fair Housing Act expressly prohibits discrimination based on the race or color, religion, national origin, sex, handicap, or familial status (which prohibits discrimination against households having children under the age of 18 living with a parent or legal custodian, pregnant women or individuals with legal custody of children under 18).

For loans insured by the Federal Housing Administration (“FHA”), Acre Mortgage will not base eligibility on actual or perceived sexual orientation or gender identity.

For more information on the ECOA, please visit: http://www.ftc.gov/bcp/conline/pubs/credit/ecoa.shtm

Additional Acre Mortgage & Financial, Inc. Disclosures Requirements

Acre Mortgage & Financial, Inc. is a licensed mortgage lender. Some states require specific licensing information, which is found below.

Acre Mortgage & Financial Inc. – NMLS 13988

Acre Mortgage & Financial Inc. – NMLS 1460013

• Colorado: Regulated by the Division of Real Estate
• Connecticut ML-13988
• Delaware: Acre Mortgage & Financial Inc. NMLS #13988 is licensed by the Delaware State Bank Commissioner to engage in business in this State. Delaware License #7695 exp. date 12/31/2018.
• District of Columbia: MLB13988 – Department of Insurance, Securities and Banking
• Florida: MLD8
• Georgia: License/Registration #: 63137
• Indiana: Indiana-DFI Mortgage Lending License #13988
• Maryland: 11821
• New Jersey: Licensed Mortgage Banker – NJ Department of Banking & Insurance – 9965751
• North Carolina: L-128646
• Pennsylvania: Licensed by the Pennsylvania Department of Banking and Securities – 21606
• South Carolina: MLS-13988
• Virginia: Acre Mortgage & Financial Inc. – Licensed by Virginia State Corporation Commission, License # MC-5586
• Texas: SML Mortgage Company License for Acre Mortgage & Financial, Inc. (NMLS ID 13988)

*Acre Mortgage & Financial Inc., Voorhees, NJ Branch – NMLS 1460013 - Only Licensed only to do business in the States of NJ and PA

https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/13988

NOTICE TO TEXAS CONSUMERS:

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.