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Fair Lending Policy
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SHORTCUTS
Career Opportunities
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Fair Lending Statement
Century mortgage Company operates in accordance with the provisions of the Fair Housing Act and the Equal Credit Opportunity Act. In addition, it is our policy to comply with all state and local laws which may provide greater protection. Century Mortgage Company does not discriminate against anyone on the basis of race; color; religion; creed; national origin; sex; marital status; familial status; sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; handicap; disability; physical condition; military status; any past exercise of right under the Consumer Credit Protection Act, the Servicemembers Civil Relief Act (SCRA), or any other consumer protection act; that all or part of an applicant’s income derives from any public assistance program; or any other basis prohibited by law.Century Mortgage Company Responsible Lending Policy.
It is Century Mortgage Company’s policy to provide affordable mortgage financing in a reasonably fair and responsible manner. CMC will monitor the practices of responsible lending under its Responsible lending Policy. Among other things, this policy monitors practices that may fall under the umbrella of predatory lending.SAFE Mortgage Licensing Act.
The SAFE Mortgage Licensing Act of 2009 is designed to enhance consumer protection and reduce fraud by encouraging states to establish minimum standards for licensing and registration of state licensed mortgage loan originators and processors. Certain states in which Century Mortgage Company operates have established requirements for licensing and registration of mortgage loan originators and processors. It is the policy of Century Mortgage Company to require all of its employees to hold and maintain in good standing all required state and local licenses and approvals necessary to conduct business.Kentucky Home Ownership Protection Center.
Century Mortgage Company supports the activities of the Kentucky Home Ownership Protection Center, which provides information, financial counseling, attorneys and other assistance to qualified applicants. Contact the Kentucky Home Ownership Protection Center at www.ProtectMyKentuckyHome.com or call 1-866-830-7868 for more information.Non-Traditional Mortgage Products.
In the event that Century Mortgage Company offers a non-traditional mortgage product, we will comply with the Guidance on Nontraditional Mortgage Product Risks published by the Office of the Comptroller of the Currency and other federal agencies. Final Guidance is published in the Federal Register at Volume 71, Number 192, Pages 58609-58618.Subject to Terms, Conditions and Restrictions.
Terms, conditions, and restrictions apply to all programs and products described on this website or otherwise offered by Century. Taxes and insurance are extra unless otherwise noted, and the actual amount of taxes and insurance may vary. Fees & charges apply and may vary by product and/or by state. All applications and programs are subject to underwriting approval, which may include credit approval. Not all applicants will be approved. Consolidating or refinancing your debts may increase the time and /or the total amount needed to repay your debt. All information, rates, charges, and fees are believed to be current, but are subject to change without notice. Your rate, term, fees, and charges may vary. The information found on this website is a summary of selected actually available programs and products that Century offers at the time of publication. Contact us for full details, information and program guidelines, terms, conditions, and restrictions.