Terms, Privacy, & Disclosures
Disclosures and Licenses
Kiavi Funding, Inc. Licensing Information and Federal and State Disclosures
Kiavi Funding, Inc.'s Nationwide Multistate Licensing System ("NMLS") ID Number is 1125207. To go to the NMLS access page please click on: https://nmlsconsumeraccess.org/
Arizona Department of Insurance and Financial Institutions - Mortgage Banker License # 0926504
California Department of Financial Protection and Innovation - Financing Law License #6054784
Florida Office of Financial Regulation - Mortgage Lender License #MLD1316
Minnesota Department of Commerce - Residential Mortgage Originator License #MN-MO-1125207
Nevada Division of Mortgage Lending - Mortgage Company License #4077
Oregon Division of Financial Regulation - Mortgage Lending License #ML-5345
Important State-Specific Disclosures
1. Hazard Insurance exceeding the replacement value of the real property is not required as a condition of your loan.
2. THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977 FAIR LENDING NOTICE
IT IS ILLEGAL TO DISCRIMINATE IN THE PROVISION OF OR IN THE AVAILABILITY OF FINANCIAL ASSISTANCE BECAUSE OF THE CONSIDERATION OF: 1. TRENDS, CHARACTERISTICS, OR CONDITIONS IN THE NEIGHBORHOOD OR GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMMODATION, UNLESS THE FINANCIAL INSTITUTION CAN DEMONSTRATE IN THE PARTICULAR CASE THAT SUCH CONSIDERATION IS REQUIRED TO AVOID AN UNSAFE AND UNSOUND BUSINESS PRACTICE; OR 2. RACE, COLOR, RELIGION, SEX, MARITAL STATUS, NATIONAL ORIGIN, OR ANCESTRY.
IT IS ILLEGAL TO CONSIDER THE RACIAL, ETHNIC, RELIGIOUS, OR NATIONAL ORIGIN COMPOSITION OF A NEIGHBORHOOD OR GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMMODATION OR WHETHER OR NOT SUCH COMPOSITION IS UNDERGOING CHANGE, OR IS EXPECTED TO UNDERGO CHANGE, IN APPRAISING A HOUSING ACCOMMODATION OR IN DETERMINING WHETHER OR NOT OR UNDER WHAT TERMS AND CONDITIONS, TO PROVIDE FINANCIAL ASSISTANCE.
THESE PROVISIONS GOVERN FINANCIAL ASSISTANCE FOR THE PURPOSE OF THE PURCHASE, CONSTRUCTION, REHABILITATION, OR REFINANCING OF ONE- TO FOUR-UNIT FAMILY RESIDENCES OCCUPIED BY THE OWNER AND FOR THE PURPOSE OF THE HOME IMPROVEMENT OF ANY ONE- TO FOUR-UNIT FAMILY RESIDENCE.
IF YOU HAVE ANY QUESTIONS ABOUT YOUR RIGHTS, OR IF YOU WISH TO FILE A COMPLAINT, CONTACT THE MANAGEMENT OF THIS FINANCIAL INSTITUTION OR The Department of Real Estate at one of the following locations:
- 2550 Mariposa Mall, Suite 3070, Fresno, CA 93721-2273
- 320 W. 4th Stree, Suite 350, Los Angeles, CA 90013-1105
- 1515 Clar Street, Suite 702, Oakland, CA 94612-1462
- 1651 Exposition Boulevard, Sacramento, CA 95815
- P.O. Box 137000, Sacramento, CA 95813-700
- 1350 Front Street, Suite 1063, San Diego, CA 92101-3608
For District of Columbia
Kiavi Funding, Inc. ("Lender") requires that you obtain hazard insurance on the above-referenced property as a condition of obtaining an extension of credit.
YOU HAVE THE RIGHT TO OBTAIN THIS INSURANCE THROUGH AN AGENT OR INSURER OF YOUR CHOICE. You may provide this insurance through an existing policy of insurance or through a policy to be obtained and paid for by you. Lender has the right to reject a given insurance policy based on reasonable standards uniformly applied, relating to the extent of coverage required and the financial soundness and the services of an insurance provider. Such standards shall not discriminate against a particular type of insurance provider or reject a policy because it contains coverage in addition to that required for the extension of credit.
For New Jersey
NOTICE TO THE BORROWER
YOU MAY BE REQUIRED TO PURCHASE PROPERTY INSURANCE AS A CONDITION OF RECEIVING THE LOAN.
IF PROPERTY INSURANCE IS REQUIRED, YOU MAY SECURE INSURANCE FROM A COMPANY OR AGENT OF YOUR OWN CHOOSING.
The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.
Title Protection Notice pursuant to Oklahoma Statutes Title 46 Section 20(A).
Purchase-money loans only.
Kiavi Funding, Inc. will be issued a title insurance policy to protect its interest as lender in the property securing your loan.
That title insurance policy protects only the lender's interest and will not provide you title insurance protection. You should seek independent, competent advice on whether you should obtain an owner's title insurance policy. If you wish to obtain an owner's title insurance policy, it must be obtained in a timely manner to avoid undue delay of the closing under the terms of the contract of sale.
For South Carolina
Please be advised that a waiver of foreclosure appraisal rights will be required for loans on South Carolina properties. The closing documentation for loans on South Carolina properties will include a statement to sign similar to the following:
The laws of South Carolina provide that in any real estate foreclosure proceeding a defendant against whom a personal judgment is taken or asked may within thirty days after the sale of the mortgaged property apply to the court for an order of appraisal. The statutory appraisal value as approved by the court would be substituted for the high bid and may decrease the amount of any deficiency owing in connection with the transaction. THE UNDERSIGNED HEREBY WAIVES AND RELINQUISHES THE STATUTORY APPRAISAL RIGHTS WHICH MEANS THE HIGH BID AT THE JUDICIAL FORECLOSURE SALE WILL BE APPLIED TO THE DEBT REGARDLESS OF ANY APPRAISED VALUE OF THE MORTGAGED PROPERTY.
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A 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 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.
Real Estate Licenses
Kiavi Funding, Inc.
California Department of Real Estate - License #01941709
Kiavi Real Estate, LLC
Florida Real Estate Commission - License #CQ1061421
Georgia Real Estate Commission - License #78385
Texas Real Estate Commission - License #9009667
Important Federal Disclosures
Taxpayer Consent Acknowledgment
I understand, acknowledge, and agree Kiavi (including all of its affiliates) and Other Loan Participants can obtain, use and share tax return information for purposes of (i) providing an offer; (ii) originating, maintaining, managing, monitoring, servicing, selling, insuring, and securitizing a loan; (iii) marketing; or (iv) as otherwise permitted by applicable laws, including state and federal privacy and data security laws. Other Loan Participants includes any actual or potential owners of a loan resulting from my loan application, or acquirers of any beneficial or other interest in the loan, guarantor, any servicers or service providers, agents, and any of aforementioned parties' successors and assigns.
Kiavi Funding, Inc. Disclosures and Licenses Information
Kiavi, Funding Inc. 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, marital 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.
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Last updated: 11/12/2021