State Specific Disclosures

Texas Required Disclosures

The AAXA Discount Mortgage mortgage broker/loan officers listed below are licensed under the laws of the state of Texas and by state law is subject to regulatory oversight by the Texas Savings and Loan Department. Any consumer wishing to file a complaint against the AAXA Discount Mortgage mortgage broker/loan officers listed below should complete, sign, and send a complaint form to the Texas Savings and Loan Department, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be downloaded and printed from the department’s web site located at www.tsld.state.tx.us or obtained from the department upon request by mail at the address above, by telephone at its toll-free consumer hotline at 1-877-276-5550, by fax at (512) 475-1360, or by e-mail at tsld@tsld.state.tx.us.

The department maintains the mortgage broker recovery fund to make payments of certain types of judgments against a mortgage broker or loan officer. Not all claims are compensable and a court must order the payment of a claim from the recovery fund before the department may pay a claim. For more information about the recovery fund, please consult Sub-Chapter F of the mortgage broker license act on the department’s web site referenced above.

Gregory Gianoplus Mortgage Broker TX License # 47759
Daryl McCarthy Loan Officer TX License # 47785
Kelly Decker Loan Officer TX License # 47787
Victor Alvarez Loan Officer TX License # 61973
Cheri Huggins Loan Officer TX License # 71216
Andrew Reid Loan Officer TX License # 43378
Chris Miller Loan Officer TX License # 68869

Michigan Required Disclosures
Notice to inquirers and loan applicants

You have a right to submit a written application for a mortgage loan or a home improvement loan or to request written information concerning typical loan terms that we are currently offering on mortgage loans and home improvement loans. It is illegal to establish a minimum mortgage amount of more than $10,000.00 or a minimum home improvement loan of more than $1,000.00. It is illegal to deny a loan or vary the terms and conditions of a loan because of the racial or ethnic trends or characteristics of the neighborhood or the age of the structure, but not because of its physical condition. If your application for a loan is rejected, you have a right to a written statement of the reason for the rejection. If you are granted a loan but the amount required for down payment, the interest rate, term to maturity, application procedure, or other terms or conditions of the loan vary from terms or conditions offered in other neighborhoods, you have a right to a written statement of the reasons for the variation. The rights described in this notice are set forth in and limited by THE MORTGAGE LENDING PRACTICES ACT. If you believe that your rights under this act have been violated, you should contact the financial institutions bureau of the Michigan department of LABOR & ECONOMIC GROWTH (517-335-4978).