If you need materials in an alternative format or need special accommodations to participate in the NACA program please contact NACA Member Services at 425-602-6222 or call your local NACA office.

使用条款

The Neighborhood Assistance Corporation of America (hereafter “Neighborhood Assistance Corporation of America”) website (the “Site”) is available for personal, non-commercial use only. Neighborhood Assistance Corporation of America owns all of the content on the Site and none of the content or information may be copied, distributed, reproduced, published, or sold in any form without Neighborhood Assistance Corporation of America’s written permission or consent. Use of the Site constitutes your agreement to abide by all of the terms and policies set forth therein. If you are not willing to so agree, please immediately discontinue your use of the Site. Neighborhood Assistance Corporation of America may revise this Legal Policy at any time in its sole discretion, with or without notice. As such, users are encouraged to frequently review this policy. The terms “we”, “us” and “our” refer to Neighborhood Assistance Corporation of America.

免责声明和责任限制

Information on this Site is intended solely for general guidance purposes only. None of the information provided on this website constitutes legal, tax, accounting, or other professional advice. Each Site user is advised to consult his or her own financial advisor or legal representative regarding the application of any information on this Site to a user’s individual circumstances. All information included on this website is believed to be accurate, although inaccuracies or typographical errors may exist. Mortgage interest rates, loan terms, and other information on this website are subject to change without notice. This Site may provide links to other websites owned or operated by parties other than Neighborhood Assistance Corporation of America. Neighborhood Assistance Corporation of America does not operate or control in any respect, or endorse any information, software, products or services available on such third-party websites, unless expressly stated otherwise. Such links to third-party websites are provided for your convenience and reference only. Users are advised to review the policies posted by these third-party websites regarding privacy, terms of use, and other topics before using them.

本网站以及与之相关的信息、数据、产品和服务均按“原样”提供。美国邻里援助公司对与本网站和此处提供的任何信息、数据和服务有关的任何事项不作任何明示或暗示的保证，包括但不限于对适销性、适用性的任何暗示保证您将从美国邻里援助公司获得或接受住房贷款的特定目的、所有权、非侵权和/或陈述或保证。本网站的使用是需要您自担风险。美国邻里援助公司对因您使用本网站或延迟或无法使用本网站而引起或以任何方式与之相关的任何直接、间接、惩罚性、偶然、特殊或后果性损害或其他伤害不承担任何责任，无论是全部还是部分由于违约、侵权行为、疏忽、严格责任或其他原因，即使美国邻里援助公司已被告知可能造成损害。某些司法管辖区不允许排除默示保证，因此此类排除可能不适用于您。

遵守法律和不歧视

NACA 提倡公平住房和平等信用，并遵守所有适用的法律和法规。 NACA 不会基于种族、肤色、宗教、国籍、性别、婚姻状况、残疾、家庭状况、年龄非法歧视任何申请人、个人或会员（前提是该人有能力签订具有约束力的合同） ;因为会员的全部或部分收入来自任何公共援助计划；因为该人善意地行使了《消费者信用保护法》规定的任何权利；或者，基于任何其他受保护的状态。 NACA 将要求会员提供财务和人口统计方面的信息，以解决合规性和/或其他问题，包括任何受抚养人的数量和年龄或与受抚养人相关的财务义务或支出。会员被要求提供的关于种族、国籍、公民身份、性别、年龄、宗教、性别、婚姻状况、残疾、收入来源和其他信息的任何信息，NACA 可能会要求以遵守联邦和/或州法律和法规或在法律允许的范围内为自己提供信息。

504 申诉程序

如果您认为您在住房咨询过程中因您的残疾状况而受到不当对待，请采取以下步骤：

1. 向您的顾问和您接受咨询的 NACA 办公室的办公室经理提出您的疑虑。如果可能，请以书面形式提出您的疑虑。您的辅导员或辅导员的主管将在收到您的投诉后 10 天内回复您。如果您对从当地 NACA 办公室收到的回复不满意，请转到第 2 步。
2. Contact Attorney Marissa Landrau Pirazzi (NACA’s 504 Coordinator) at [email protected], 225 Centre Street, Suite 100, Boston, MA 02119. Within 14 days, the 504 Coordinator will review NACA policies and procedures to determine whether your assertions have merit and make any corrections necessary to ensure compliance with section 504.

平等信贷机会法案 (ECOA)

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants based on race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capability to enter into a binding contract), because all or part of the applicant’s income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. If you have any questions regarding your rights, or if you wish to file a complaint, please contact the management of this financial institution at 225 Centre Street, Suite 100, Boston, MA 02119, Attn: Compliance Officer, or

Federal Trade Commission
平等的信贷机会
600 Pennsylvania Avenue, NW
华盛顿特区 20580
Telephone: (202) 326-2222

公平住房法

根据《联邦公平住房法》，基于种族、肤色、国籍、宗教、性别、残疾或家庭状况（有 18 岁以下的孩子），以下行为是非法的：

Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling, or to deny any loan secured by a dwelling; or discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan, or in appraising property. Anyone who feels he or she has been discriminated against should send a complaint to:

美国住房和城市发展部
公平住房和平等机会事务助理秘书
451 7th Street, S.W.
华盛顿特区 20410

加利福尼亚州：1977 年住房金融歧视法
公平借贷通知/霍顿法案

出于以下考虑而在经济援助的提供或可用性方面进行歧视是违法的：

• 住房周围邻里或地理区域的趋势、特征或条件，除非金融机构可以在特定情况下证明需要此类考虑以避免不安全和不健全的做法，或
  
• 种族、肤色、宗教、性别、婚姻状况、国籍或血统。考虑住房周围的邻里或地理区域的种族、民族、宗教或民族血统构成，或者在评估住房时考虑此类构成是否正在发生变化或预计会发生变化，都是违法的。决定是否或根据什么条款和条件提供经济援助。

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. In addition, these provisions govern financial assistance for the improvement or rehabilitation of an owner-occupied or investor-owned one-to-four unit dwelling.

If you have questions about your rights, or if you wish to file a complaint, contact the management of this financial institution at 225 Centre Street, Suite 100, Boston, MA 02119, Attn: Compliance Officer, or:

房地产系
1651 Exposition Blvd.
Sacramento, CA 95815

国家许可

平等的住房机会。并非所有地区都提供所有程序。价格、条款和计划如有更改，恕不另行通知。附加条款和条件可能适用。

Neighborhood Assistance Corporation of America, 225 Centre Street, Suite 100, Boston, MA 02119
Phone – 425-602-6222
NMLS 编号：4082

Alaska Mortgage Broker/Lender: License AK4082

Alabama Mortgage Broker: License 8487

Arizona Mortgage Broker: License 0910804

Arkansas Mortgage Broker: 101553

Licensed by the California Department of Real Estate – 1651 Exposition Blvd. Sacramento, CA 95815 – Corporation License No. 01270953; California Department of Real Estate License Information Telephone Number – (916) 263-8943

Colorado Mortgage Company: Registration 4082

Connecticut – MORTGAGE Lender ML 4082 ONLY, NOT A MORTGAGE Broker OR MORTGAGE CORRESPONDENT LENDER.

Florida Mortgage Broker: License MBR1164

Georgia Residential Mortgage Licensee – Mortgage Broker: License No. 23916

Hawaii Mortgage Loan Originator Company License Number: HI-4082 is currently Inactive status until further notice.

爱达荷州抵押贷款经纪人/贷款人执照 MBL-2080004082

Illinois Residential Mortgage Licensee: MB0006423
Real Estate Broker License Number: 478.025496

Indiana SOS Loan Broker: License 4082

Iowa Non-profit Mortgage Banker: License 2007-0164

Kansas Licensed Mortgage Company: License No. MC. 0001448

Kentucky Exempt Company Registration: License Number: EC711122

Louisiana Residential Mortgage Lending: License 2830

Maine Loan Broker: License 4082

Maryland Exempt Company: Registration 4082

Massachusetts Mortgage Broker: License Number MB4082. We arrange but do not make loans.

Michigan 1st Mortgage Broker: License FL 0016156

Minnesota Residential Mortgage Originator: Exemption MN-OX-40076201
This is not an offer to enter into an interest rate lock-in agreement under Minnesota law.

Missouri – Neighborhood Assistance Corporation of America, 4082 100 E. 43rd Street, Kansas City, MO; 64111 1300 Hampton Avenue, Suite 101, St. Louis, MO 63139.

Mississippi Mortgage Broker: License 4082

Montana Mortgage Broker: License 4082

Nebraska Mortgage Banker: License 4082

Nevada – Mortgage Broker: License 3139 – Neighborhood Assistance Corporation of America, 3030 S Jones Blvd, Suite 103, Las Vegas, NV 89146 – (702) 362-6199

Licensed by the New Hampshire Banking Department; New Hampshire Mortgage Broker: License 14251 – MBR

Licensed by the N.J. Department of Banking & Insurance – Residential Mortgage Broker: License 0521380 – 60 Park Place, Suite 800, 15th floor, Newark, NJ 07102 – (973) 679-2601 – Neighborhood Assistance Corporation of America will not make any mortgage loan commitments or fund any mortgage loans. Neighborhood Assistance Corporation of America arranges loans with third-party providers. Advertisement is for a first mortgage loan.

New Mexico Mortgage Loan Company: License 4082

New York – Mortgage Broker Registration: License A007417 – 135 Delaware Avenue Suite 102, Buffalo, NY 14202– Mortgage Broker Registration: License RMB 208821– 550 East Main Street, Floor 1, East Rochester, NY 14604. Registered New York Mortgage Broker: RMB 208449 – All mortgage loans arranged with third party providers.

North Carolina Mortgage Broker: License B-152786

North Dakota Money Broker: License MB103631

Ohio Mortgage Broker Registration: RB.803888.000.225 Centre Street, Suite 100, Boston, MA 02119; RB.803888.001-BR-7000 Euclid Avenue, Cleveland, OH 44103

Oklahoma Mortgage Broker: License MB002231

Oregon Mortgage Lending: License 4082

Licensed by the Pennsylvania Department of Banking: 21813

Rhode Island Loan Broker: License Number 20153133LB

South Carolina DCA Mortgage Broker: License MB-0519402

South Dakota Mortgage Broker: License 4082.MB

Tennessee Mortgage: License 110369

Texas SML Mortgage Company: License – NMLS No. 4082
Corporate Office: 225 Centre Street, Suite 100, Boston, MA 02119

Texas Offices: 14425 Torrey Chase Blvd, Houston, TX 77014; NMLS No. 367816
1603 Babcock Suite 200, San Antonio, TX 78229; NMLS No. 377170
5787 S. Hampton # 120, Dallas, TX 75232; NMLS No. 378153

• 德克萨斯州恢复基金通知：
  
  “希望向公司或住宅抵押贷款发起人提出投诉的消费者应填写并向德克萨斯州储蓄和抵押贷款部 2601 NORTH LAMAR, SUITE 2875S IN SUITE 28701 和 SUITE 28701 提交一份投诉表，地址为 SUITE 2875从 WWW.SML.TEXAS.GOV 的部门网站获得。免费消费者热线可拨打 1-877-276-5550。
  
  该部保留了一项恢复基金，用于支付借款人因持牌住宅抵押贷款发起人的行为而造成的某些实际自掏腰包损失。必须在支付索赔之前向该部门提交一份从恢复基金中获得补偿的书面申请，并由该部门进行调查。有关恢复基金的更多信息，请访问该部门的网站 WWW.SML.TEXAS.GOV。”

Utah-DRE Mortgage Entity: License 6906251 is currently Inactive status until further notice.

Licensed by the Virginia State Corporation Commission – Mortgage Broker: License No. MC-5205

Washington Mortgage Broker: License MB-4082

West Virginia Mortgage Broker: License MB-4082

Wisconsin Mortgage Broker: License 4082BR

Wyoming Mortgage Broker: License 3665

赔款

作为使用本网站的条件，您同意赔偿美国 Neighborhood Assistance Corporation of America 免于因您使用本网站。

其他条款

This website and Legal Policy shall be treated as though created, executed, performed and published in Boston, MA, and shall be governed and construed in accordance with the laws of the United States of America and, to the extent that state law is applicable, by the laws of the Commonwealth of Massachusetts without regard to conflict of law principles.

Express Waivers of Liability against Neighborhood Assistance Corporation of America, and Requirement of Arbitration of any and all Claims.

作为使用本网站的条件，您在此完全免除并同意让美国邻里援助公司、其附属公司、董事、高级职员、雇员、员工、代理人、独立承包商、顾问和计划免受任何和所有索赔（包括疏忽索赔）、诉讼、损失、成本、费用或损害（包括律师费）可能因使用本网站而导致、产生或以任何其他方式与使用本网站有关。

除上述内容外，作为使用本网站的条件，您同意，如果与美国邻里援助公司、其附属公司、董事、高级职员、雇员、职员、代理人或独立承包商发生争议或索赔，原因如下： ，或以任何方式与本网站的使用相关，包括但不限于任何此类索赔或争议是否需要仲裁，会员在知情、自愿并有时间咨询法律顾问后，特此放弃由以下人员进行审判的权利陪审团并同意将任何和所有此类争议、纠纷、诉讼、要求或任何形式的损害索赔提交美国仲裁协会或双方同意的其他仲裁服务机构解决，以根据其规则和程序。本协议项下的任何仲裁应在马萨诸塞州波士顿或美国邻里援助公司在收到书面仲裁要求后可能指定的其他方便地点或论坛进行，以遵守法律。如果此地点规定因任何原因无法执行，不影响双方无条件同意和义务将争议或索赔提交到合法地点进行仲裁。仲裁程序中的判决为终局判决，对当事人具有约束力，仲裁员对该裁决作出的判决可提交至任何有管辖权的法院。被要求参加的每一方应各自承担各自承担的仲裁费用（或仲裁庭要求的费用）；但是，如果美国邻里援助公司在任何此类仲裁中胜诉，美国邻里援助公司除法律规定的所有其他补救措施外，还有权获得其合理的律师费和费用的裁决。

NMLS 编号：4082