Ages Mortgage Legal Discloures
Welcome to the Ages Mortgage legal information center. Here you'll find important information about our policies, terms, and disclosures.
Important Information
Company Information
Ages Mortgage, LLC
[Street Address]
Morristown, New Jersey [ZIP Code]
Phone: (888) 415-3957
Email: info@agesmortgage.com
NMLS #27830
Equal Housing Opportunity
Ages Mortgage is committed to providing equal access to credit opportunities. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, familial status, disability, sexual orientation, gender identity, or any other characteristic protected by law.
Licensing Information
Ages Mortgage, LLC is licensed as a mortgage lender in 46 states. NMLS #27830. To verify our licensing status, visit the NMLS Consumer Access website at www.nmlsconsumeraccess.org.
Contact Our Compliance Department
If you have questions or concerns about our legal policies or need to file a complaint, please contact:
Compliance Department
Email: compliance@agesmortgage.com
Phone: (888) 415-3957
Consumer Resources
Regulatory Agencies
If you have a complaint that we cannot resolve, you may contact:
Consumer Financial Protection Bureau
P.O. Box 4503
Iowa City, Iowa 52244
Phone: 1-855-411-2372
Website: www.consumerfinance.gov/complaint
Your State Banking Regulator
Contact information available at www.nmlsconsumeraccess.org
Housing Counseling
HUD-approved housing counseling agencies provide free or low-cost advice for homebuyers, homeowners, and renters.
Phone: 1-800-569-4287
Website: www.hud.gov/counseling
Company Information
Ages Mortgage, LLC
[Street Address]
Morristown, New Jersey [ZIP Code]
Phone: (973) XXX-XXXX
Email: info@agesmortgage.com
NMLS #27830
Licensing Information
Ages Mortgage, LLC is licensed as a mortgage lender or mortgage broker in the following states:
- Alabama - License #XXXXX
- Alaska - License #XXXXX
- Arizona - License #XXXXX
- [Continue for all 46 states]
To verify our licensing status, you may visit the Nationwide Multistate Licensing System (NMLS) Consumer Access website at www.nmlsconsumeraccess.org and search for NMLS #27830.
Equal Housing Opportunity
Ages Mortgage is committed to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the United States. We provide equal access to credit opportunities to all qualified applicants without regard to race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), familial status, disability, sexual orientation, gender identity, or any other characteristic protected by law.
If you believe you have been discriminated against, you may file a complaint with the appropriate regulatory agency:
U.S. Department of Housing and Urban Development (HUD)
Office of Fair Housing and Equal Opportunity
451 7th Street S.W.
Washington, D.C. 20410
Phone: 1-800-669-9777
Website: www.hud.gov
Consumer Financial Protection Bureau (CFPB)
P.O. Box 4503
Iowa City, Iowa 52244
Phone: 1-855-411-2372
Website: www.consumerfinance.gov
Fair Lending Notice
Ages Mortgage does not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from a 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:
Consumer Financial Protection Bureau
1700 G Street, N.W.
Washington, DC 20552
Phone: 1-855-411-2372
State-Specific Disclosures
New Jersey
Licensed by the New Jersey Department of Banking and Insurance
Ages Mortgage, LLC is licensed by the New Jersey Department of Banking and Insurance. Any questions or concerns regarding this mortgage company or its lending activities should be directed to:
New Jersey Department of Banking and Insurance
Office of Consumer Protection Services
P.O. Box 471
Trenton, NJ 08625-0471
Phone: 1-800-446-7467
Website: www.state.nj.us/dobi
California
California Finance Lenders Law License
Ages Mortgage, LLC is licensed by the Department of Financial Protection and Innovation under the California Finance Lenders Law, License No. [XXXXX].
California Department of Financial Protection and Innovation
320 West 4th Street, Suite 750
Los Angeles, CA 90013
Phone: 1-866-275-2677
Website: dfpi.ca.gov
New York
Ages Mortgage, LLC - Licensed Mortgage Banker - NYS Department of Financial Services, License #[XXXXX]
Texas
This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
[Add other state-specific disclosures as required by individual state regulations]
Anti-Money Laundering Notice
Ages Mortgage is committed to complying with all federal anti-money laundering laws and regulations, including the Bank Secrecy Act and USA PATRIOT Act. We may request documentation to verify your identity and the source of funds for your transaction. We reserve the right to refuse service if we cannot verify this information to our satisfaction.
Affiliated Business Arrangement Disclosure
From time to time, Ages Mortgage may refer you to third-party service providers for services related to your mortgage transaction, such as:
- Title insurance companies
- Appraisal management companies
- Home inspection services
- Homeowners insurance providers
- Real estate attorneys
Ages Mortgage does not have any affiliated business arrangements that would require disclosure under the Real Estate Settlement Procedures Act (RESPA). We do not receive any financial benefit from referring you to third-party service providers. You are free to choose any qualified service provider for settlement services in connection with your mortgage transaction.
Homeownership Counseling Notice
If you are a first-time homebuyer or need assistance understanding the homebuying or mortgage process, you may benefit from speaking with a homeownership counselor. The U.S. Department of Housing and Urban Development (HUD) maintains a list of approved housing counseling agencies.
To find a HUD-approved housing counseling agency near you:
Phone: 1-800-569-4287
Website: www.hud.gov/counseling
Language Accessibility
If you have difficulty understanding English, you may be entitled to receive mortgage documents and disclosures in your preferred language. Please contact us to discuss language accessibility options.
Servicemembers Civil Relief Act (SCRA)
If you are an active-duty servicemember or recently separated from active duty, you may be entitled to certain protections under the Servicemembers Civil Relief Act. Please inform us of your military status so we can provide you with information about your rights.
Complaint Resolution
We strive to provide excellent service to all our customers. If you have a complaint or concern about our services, please contact us first so we can attempt to resolve the issue:
Ages Mortgage Compliance Department
Email: compliance@agesmortgage.com
Phone: (973) XXX-XXXX
If we are unable to resolve your complaint to your satisfaction, you may also contact:
Consumer Financial Protection Bureau
P.O. Box 4503
Iowa City, Iowa 52244
Phone: 1-855-411-2372
Website: www.consumerfinance.gov/complaint
Your State Banking or Financial Services Regulator
Contact information available at www.nmlsconsumeraccess.org
Notice About Appraisals
We may order an appraisal to determine the property's value and charge you for this appraisal. We will promptly give you a copy of any appraisal, even if your loan does not close. You can pay for an additional appraisal for your own use at your own cost.
Website Disclaimer
The information on this website is for general informational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates, terms, and programs are subject to change without notice. All loans are subject to credit approval. Property insurance is required. Certain restrictions and limitations may apply.
Contact Information
For questions about these disclosures or our licensing, please contact:
Ages Mortgage, LLC
[Street Address]
Morristown, NJ [ZIP Code]
Phone: (973) XXX-XXXX
Email: info@agesmortgage.com
NMLS #27830