Legal & Policies

Not all OnY Glo, Inc. dba OGI Mortgage Bankers (hereinafter referred to as “OGI Mortgage Bankers”) products or services are available in all states. This is not a commitment to lend.

 

CALIFORNIA

Under California law, we will not share information we collect about you with companies outside of OGI Mortgage Bankers unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law. Rev. 08/2013. Loans made pursuant to a California Department of Financial Protection and Innovation Financing Law. Married persons may apply for an account in their own name.


CALIFORNIA CONSUMER PRIVACY ACT (CCPA)

OGI Mortgage Bankers is in compliance with the CCPA Act.  The CCPA was signed into law on June 28, 2018 and went into effect on January 1, 2020. CCPA grants California consumers robust data privacy rights and control over their personal information, including the right to know, the right to delete, and the right to opt-out of the sale of personal information that businesses collect, as well as additional protections for minors.

Visit the California Attorney General web page for complete information.

CALIFORNIA FAIR LENDING NOTICE

UNDER THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977 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 IF YOU HAVE QUESTIONS ABOUT YOUR RIGHTS OR IF YOU WISH TO FILE A COMPLAINT, CONTACT THE MANAGEMENT OF THIS FINANCIAL INSTITUTION OR:

DEPARTMENT OF FINANCIAL PROTECTION AND INNOVATION

SUITE 600
3700 WILSHIRE
LOS ANGELES, CA 90010

DEPARTMENT OF FINANCIAL PROTECTION AND INNOVATION

SUITE 810
1390 MARKET STREET
SAN FRANCISCO, CA 94102

CREDIT BUREAU INFORMATION

OGI Mortgage Bankers and/or its service providers acting on its behalf, may report information about your account to the major credit bureaus. Under the Fair and Accurate Credit Transactions Act of 2003, you have the right to directly dispute the accuracy or integrity of OGI Mortgage Bankers and its service providers reports to the major credit bureaus. In order to protect your rights regarding any disputed account information, you must do the following:

  • Any dispute must be made in writing to OnY Glo, Inc. dba OGI Mortgage Bankers and its service providers at ATTN: Compliance, OnY Glo, Inc. dba OGI Mortgage Bankers, 6 Hutton Centre Drive, Suite 1030, Santa Ana, CA 92707. Or email compliance@ogimb.com.
  • To avoid delays, you should not provide your dispute notice to another OGI Mortgage Bankers and or service provider’s address.
  • Your dispute notice must sufficiently identify your account relationship OGI Mortgage Bankers and its service providers such as your name, address, account number, etc.
  • You must specify the information OGI Mortgage Bankers and its service providers is reporting to the credit bureaus and why you are disputing it.
  • You must also provide documentation or other information to support your dispute. For example, you may wish to provide a relevant portion of a credit report that may contain possibly inaccurate information, account statements, a copy of a police report, an affidavit of forgery, etc.

If you fail to meet any of the above requirements it may delay any response from OGI Mortgage Bankers or its service providers and any resolution of your dispute. In most cases, OGI Mortgage Bankers or its service providers will respond to your dispute notice in writing within 30 days of receiving it.

EQUAL CREDIT OPPORTUNITY ACT

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 age;
  • Because income is from public assistance; or
  • Because a right has been exercised under the Consumer Credit Protection Act.

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

ATTN: Compliance, OnY Glo, Inc. dba OGI Mortgage Bankers, 6 Hutton Centre Drive, Suite 1030, Santa Ana, CA 92707.

 

EQUAL HOUSING OPPORTUNITY LENDER

OGI Mortgage Bankers is an Equal Housing Opportunity Lender.

Under the Federal Fair Housing Act, it is illegal, on the basis of race, color, national origin, religion, sex, handicap, or familial status (having children under the age of 18), to:

  • 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.

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.

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

Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC, 20580

Telephone: 202-326-2222

AND TO

ATTN: Compliance, OnY Glo, Inc. dba OGI Mortgage Bankers, 6 Hutton Centre Drive, Suite 1030, Santa Ana, CA 92707.

Telephone: 1-888-365-1522

DO NOT CALL POLICY

This notice is the OGI Mortgage Bankers Do Not Call Policy under the Telephone Consumer Protection Act. We do not solicit via telephone numbers listed on the state or federal Do Not Call lists, unless the law allows us to. OGI Mortgage Bankers employees and its service provider employees receive training on how to document and process telephone marketing choices. Consumers who ask not to receive telephone solicitations from OGI Mortgage Bankers will be placed on the OGI Mortgage Bankers Do Not Call List and will not be called in any future campaigns, including those of OGI Mortgage Bankers affiliates. If you communicate with us by telephone, we may monitor or record the call.

FAIR LENDING NOTICE

It is the policy of OGI Mortgage Bankers to make credit products available to all applicants who meet our business focus in a fair and consistent manner within the confines of safe and sound business practices. The OGI Mortgage Bankers management and staff are committed to the practices of fair lending. Following are the policies regarding nondiscrimination and abusive lending practices.

OGI Mortgage Bankers does not discriminate against any credit applicant on the basis of race, color, religion, national origin, marital status, age (providing the applicant is of legal age and has the capacity to enter into a binding legal contract), sex, disability, familial status, receipt of public assistance, or whether the individual has exercised in good faith any right under the Consumer Credit Protection Act, or on any other prohibited basis.

OGI Mortgage Bankers also requires loan terms, rates and fees to be consistent with the borrower’s qualifications, that borrowers have the ability to repay the obligation and that borrowers receive a tangible benefit from the loan transaction.

OGI Mortgage Bankers expects the companies with whom it does business to adhere to similar non-discriminatory and fair lending policies and practices throughout the lending process. The companies’ policy extends to application procedures, pricing of loans or services, marketing practices, closing procedures, and compensation programs.

OGI Mortgage Bankers expects the companies with whom it does business to adhere to similar non-discriminatory and fair lending policies and practices throughout the lending process. The companies’ policy extends to application procedures, pricing of loans or services, marketing practices, closing procedures, and compensation programs.

GENERAL DISCLAIMERS

  • Not all programs are available in all areas.  Not all borrowers will qualify for all programs. Program restrictions apply.
  • This is not an offer for extension of credit or a commitment to lend.
  • Not all branches are licensed in every state; please contact your local office to determine eligibility.
  • All loan programs are subject to the OGI Mortgage Bankers underwriting guidelines and available loan terms.  Approvals may be subject to appraisals and other documentation requirements.  Interest rates, loan programs, available loan terms, and other information on this website are subject to change without notice.

 

GRAMM LEACH BLILEY PRIVACY POLICY ACT OF 2000

  1. OUR PLEDGE TO YOU
    One of our top priorities is making sure that the information we have about you is protected and secure. We value our relationship with you and work hard to preserve your privacy and ensure that your preferences are honored. At the same time, the very nature of our relationship may result in us collecting or sharing certain types of information about you. We explain how we use customer information in this privacy policy statement. We invite you to state your choices in the Customer Preferences section. We will honor your selection.
  2. INFORMATION WE COLLECT
    We collect information, you give to us on applications, surveys, registration forms, etc.
  3. HOW WE SHARE INFORMATION
    We do not share information that we have about you with anyone except in response to subpoenas or for other legal reasons.

The law permits us to share information about our current and former customers with government agencies or authorized third parties under certain circumstances. For example, we may be required to share such information in response to subpoenas or to comply with certain laws.

  1. HOW WE PROTECT INFORMATION
    We strive to protect your data and safeguard it from those not authorized to see it.
  2. FORMER CUSTOMERS
    We do not share information about our former customers with anyone except in response to subpoenas or for other legal reasons.

We do not share information about our former customers with companies outside our organization for them to contact you for their own marketing purposes.

  1. CUSTOMER PREFERENCES
    We honor your choices for sharing data as checked below. Please fill-out this form and return it to us at:

ATTN: Compliance, OnY Glo, Inc. dba OGI Mortgage Bankers, 6 Hutton Centre Drive, Suite 1030, Santa Ana, CA 92707

[  ] Please do not share information about me with companies outside your organization. By law, this doesn’t include companies that are performing services on our behalf or our financial marketing partners.

[  ] Please do not share my credit history with members of your corporate family.

For joint accounts: We will honor your preferences, and will automatically apply those same choices to the other account holder(s).
Name:__________________________________________________________
Address:________________________________________________________
City:_______________________________State:______Zip_______________
Account/Policy
No(s):______________________________________________

In addition, you may share with us your preferences by calling us toll-free at:
1-888-365-1522 or by e-mailing us at: compliance@ogimb.com.

ILLINOIS COMMUNITY REINVESTMENT NOTICE

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. you may obtain a copy of our evaluation once the Department completes our first evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department. We will update this notice when our first evaluation has been issued.

OREGON DFR SERVICER OVERSIGHT

The Oregon Division of Financial Regulation (DFR) oversees residential mortgage loan servicers who are responsible for servicing residential mortgage loans in connection with real property located in Oregon and persons required to have a license to service residential mortgage loans in this state. If you have questions regarding your residential mortgage loan, contact your servicer. To file a complaint about unlawful conduct by an Oregon licensee or a person required to have an Oregon license, call DFR at 888.877.4894 or visit DFR.OREGON.GOV.

TEXAS COMPLAINT

TAC §80.200(b)

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 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 DISCLOSURE STATEMENT

Pursuant to Texas Finance Code Chapter 158.101, a registrant shall provide to the borrower of each residential mortgage loan the following notice not later than the 30th day after the registrant commences servicing the loan:

COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 North Lamar, Suite 201, Austin, Texas 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 877.276.5550.