Disclosures

ASB Capital Loan Funding is an Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

It is illegal to discriminate in the sale, rental, or financing of housing based on race, color, religion, sex, handicap, familial status, national origin, or any other protected class under applicable federal, state, or local law.

All information provided on this website, including loan program descriptions, rates, terms, and conditions, is for informational purposes only and does not constitute a commitment to lend. Loan approval is subject to credit approval, verification of information provided, and property appraisal.

Programs, rates, terms, and conditions are subject to change without notice. Some programs may not be available in all states.

ASB Capital Loan Funding operates in accordance with all applicable federal and state lending regulations. We are licensed to conduct lending activities in all 50 states. Specific licensing information is available upon request.

NMLS (Nationwide Multistate Licensing System) information is provided as required by law. Consumers are encouraged to verify licensing status through the NMLS Consumer Access website at www.nmlsconsumeraccess.org.

Interest rates and Annual Percentage Rates (APR) shown or discussed are subject to change and may vary based on individual borrower qualifications, loan program, loan amount, loan-to-value ratio, credit score, property type, and market conditions.

The APR reflects the true cost of borrowing over the full term of the loan and may differ from the stated interest rate. Your actual rate and APR will be provided in your Loan Estimate and Closing Disclosure documents.

Not all loan programs are available to all borrowers in all states. Availability may vary based on property location, borrower qualifications, and current market conditions. Contact us directly to confirm program availability in your area.

In the course of processing your loan, we may engage third-party service providers including but not limited to credit reporting agencies, appraisers, title companies, escrow agents, and document preparation services. Fees for these services may be passed through to the borrower as part of closing costs.

We handle your personal and financial information in accordance with our Privacy Policy and the Gramm-Leach-Bliley Act (GLBA). We do not share nonpublic personal information with non-affiliated third parties except as permitted by law or as necessary to process your loan application.

For full details, please review our Privacy Policy.

As a borrower, you have certain rights under federal and state consumer protection laws, including:

• The right to receive a Loan Estimate within three business days of submitting a complete loan application

• The right to receive a Closing Disclosure at least three business days before loan consummation

• The right to dispute errors on your credit report

• The right to fair and non-discriminatory treatment in the lending process

• The right to file a complaint with the Consumer Financial Protection Bureau (CFPB) at www.consumerfinance.gov

Some states require additional disclosures specific to their jurisdiction. These disclosures will be provided to you as part of the loan application process based on the location of the subject property and your state of residence.

Information provided by ASB Capital Loan Funding, including through our website, chatbot, loan officers, or other representatives, does not constitute legal, tax, or investment advice. You should consult with qualified professionals regarding your specific legal, tax, and investment circumstances before making financial decisions.