Mortgage Disclaimer


Effective Date: 02/24/2025

Mortgage Disclaimer for ST FIN Corp  D.BA. Star Financial

The content provided on this website by St. Fin Corp dba Star Financial is for informational purposes only and does not constitute an offer to extend credit, a commitment to lend, or a guarantee of any loan approval. All mortgage applications are subject to underwriting approval, verification of submitted information, and adherence to applicable federal and state regulations. Terms and conditions are subject to change without notice.

Important Disclosures

1. Loan Program Availability

Loan programs, terms, and interest rates are subject to change based on market conditions, regulatory updates, and borrower qualifications. Not all programs may be available in all areas, and additional restrictions may apply. Please contact us directly to confirm program availability.

2. Rates and Payments

The rates, fees, and payment examples provided on this website are for illustrative purposes only and may not reflect your actual loan terms. Your interest rate and payment will depend on factors such as creditworthiness, income verification, loan-to-value (LTV) ratio, and current market conditions. Additional fees and closing costs may apply.

3. Equal Housing Opportunity

St. Fin Corp dba Star Financial is an Equal Housing Lender. We fully comply with the Fair Housing Act (Title VIII of the Civil Rights Act of 1968) and the Equal Credit Opportunity Act (ECOA). We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, familial status, age (provided the applicant has the capacity to enter into a binding contract), disability, or because all or part of the applicant's income is derived from any public assistance program.

4. State-Specific Compliance

California

  • Licensing: St. Fin Corp dba Star Financial is licensed in California under the California Department of Financial Protection and Innovation (DFPI). License details are available upon request.

  • California Consumer Privacy Act (CCPA): In accordance with the CCPA, California residents have the right to:

    • Know what personal information is collected and how it is used.

    • Request deletion of their personal data.

    • Opt-out of the sale of their personal information.
      For more details, please review our [Privacy Policy] or contact us directly.

Texas

  • Licensing: St. Fin Corp dba Star Financial is authorized to operate in Texas. For more details, you may verify our licensing status with the Texas Department of Savings and Mortgage Lending (SML).

  • Texas Complaint Disclosure:

    • CONSUMERS WISHING TO FILE A COMPLAINT against a mortgage banker or licensed residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 N. Lamar, Suite 201, Austin, TX 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 residential mortgage loan originators.

Florida

  • Licensing: St. Fin Corp dba Star Financial operates in compliance with the Florida Office of Financial Regulation (OFR). For verification, please visit www.flofr.com.

  • Florida Complaint Disclosure:

    • Borrowers in Florida can file complaints with the Florida Office of Financial Regulation at 1-800-848-3792 or by visiting their website.

5. Privacy and Data Usage

Information submitted through this website is used solely for mortgage qualification and related purposes. Please refer to our [Privacy Policy] for detailed information on how your data is collected, stored, and protected.

6. Legal and Regulatory Compliance

  1. Compliance with Federal Laws:

    • This company operates in accordance with federal regulations, including:

      • The Truth in Lending Act (TILA).

      • The Real Estate Settlement Procedures Act (RESPA).

      • The Dodd-Frank Wall Street Reform and Consumer Protection Act.

  2. State-Specific Disclosures:

    • California, Texas, and Florida-specific regulations are addressed above. Borrowers from other states should contact us to confirm compliance in their location.

7. Contact Us

For more information or assistance, please reach out to:

  • Phone: 888.671.7885

  • Email: info@starfincorp.com

  • Address: 23330 Mill Creek Drive, suite 250, Laguna Hills, Ca 92653

8. Acknowledgment

By using this website, you acknowledge and agree to the terms outlined in this disclaimer. St. Fin Corp dba Star Financial reserves the right to update or modify this disclaimer at any time. Copyright 2024.

 

Last Updated: 03/01/2025