Compliance & Licensing

EQUAL HOUSING LENDER

“Builder Mortgage Direct” is a registered “doing business as” (dba) entity of “SFMC, LP”. If you have any questions or feedback about any area of our website, please contact us at compliance@sfmc.com.

As an Equal Housing Lender, We Do Business in Accordance With Federal Fair Lending Laws

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, DISABILITY, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF18) TO:Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or 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

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD:SEND A COMPLAINT TO:

Assistant Secretary for Fair Housing and Equal OpportunityDepartment of Housing and Urban Development451 7th Street, SWWashington, DC, 20410

For processing under the Federal Fair Housing Act

AND TO:

Comptroller of the CurrencyCustomer Assistance Group1301 McKinney StreetSuite 3450Houston, TX 77010

For processing under applicable Regulations.

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:On the basis of race, color, national origin, religion, sex, marital status or ageBecause of source of income, orBecause a right was exercised under the Consumer Credit Protection Act

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Bureau of Consumer Financial Protection1700 G Street NWWashington, DC 20006

Mortgage and home equity products are offered in the U.S. by Builder Mortgage Direct are only available for properties located in the U.S. Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be cancelled or are subject to change at any time and cannot be combined with any other offer or discount.

LICENSED STATES

Texas 166487Licensed as SFMC, LP; Builder Mortgage Direct; Home Orbit Lending; SFMC, Limited Partnership Sec. 157.007. Disclosure Statement. A mortgage banker shall include the following notice to a residential mortgage loan applicant with an application for a residential mortgage loan: complaints regarding mortgage bankers should be sent to the Texas Department of Savings and Mortgage Lending, 2601 N. Lamar, Suite 201, Austin, TX 78705. A Toll-Free Consumer Hotline is available at 1-877-276-5550. Figure: 7 TAC 81.200(c) “CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER 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 MORTGAGE BANKER 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.”

Alabama 23597Licensed as SFMC, LP; Service First Home Loans; SFMC Home Loans; SFMC Home Lending

Arizona 0924237Licensed as SFMC, LP; Service First Home Loans; SFMC Home Lending

Arkansas 166487Licensed as SFMC, LP; Service First Mortgage Company; SFMC Home Loans, SFMC Home Lending

Colorado N/ALicensed as SFMC, LP; Service First Home Loans; Service First Mortgage Company; SFMC Home Lending

Florida MLD1342Licensed as SFMC, LP; Service First Home Loans; Service First Home Loans, LP; SFMC Home Lending

Georgia, 166487Licensed as SFMC Home Loans

Iowa, 2024-0200Licensed as SFMC Home Loans

Kentucky MC358087Licensed as SFMC, LP; Service First Home Loans, SFMC Home Lending

Louisiana n/aLicensed as SFMC, LP; SFMC Home Loans; SFMC Home Lending

Minnesota, MN-MO-166487Licensed as SFMC, LP; SFMC Home Loans

North Carolina, L-217345Licensed as SFMC, LP; Home Orbit Lending

Ohio SM.501988.000Licensed as SFMC, LP; SFMC Home Loans

Oklahoma ML010483Licensed as SFMC, LP; Service First Home Loans; SFMC Home Lending

Tennessee 166487Licensed as SFMC, LP; SFMC Home Loans

LICENSING AND DISCLOSURES

Disclosure StatementsSec. 157.007. Disclosure Statement. A mortgage banker shall include the following notice to a residential mortgage loan applicant with an application for a residential mortgage loan: complaints regarding mortgage bankers should be sent to the Texas Department of Savings and Mortgage Lending, 2601 N. Lamar, Suite 201, Austin, TX 78705. A Toll-Free Consumer Hotline is available at 1-877-276-5550. Figure: 7 TAC 81.200(c) “CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER 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 MORTGAGE BANKER 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.”.

TEXAS ADMINISTRATIVE CODE DISCLOSURES

Figure: 7 TAC 81.200(c) CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER 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 MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. AWRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BEFILED 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

IGURE: 7 TAC 79.2(b) COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TX 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 877-276-5550. A COMPLAINT FORM AND INSTRUCTIONS MAY BE DOWNLOADED AND PRINTED FROM THE DEPARTMENT’S WEBSITE LOCATED AT WWW.SML.TEXAS.GOV OR OBTAINED FROM THE DEPARTMENT UPON REQUEST BY MAIL AT THE ADDRESS ABOVE, BY TELEPHONE AT ITS TOLL-FREE CONSUMER HOTLINE LISTED ABOVE, OR BY EMAIL AT SMLINFO@SML.TEXAS.GOV

TEXAS DEPARTMENT OF SAVINGS MORTGAGE LENDING

COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TX 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 877-276-5550.

A complaint form and instructions may be downloaded and printed from the Department’s website located at www.sml.texas.gov or obtained from the department upon request by mail at the address above, by telephone at its toll-free consumer hotline listed above, or by email at smlinfo@sml.texas.gov.

TRANSPARENCY IN COVERAGE

https://www.cigna.com/legal/compliance/machine-readable-files

This link leads to the machine-readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.