Resources

At Mosaic Mortgage, we prioritize transparency, security, and compliance in all aspects of our business. This resource page is designed to provide you with essential information about our policies and the legal disclosures required by federal and state law. We are committed to ensuring that our website, services, and practices adhere to the highest standards of ethical conduct and regulatory compliance.

Disclosures

Equal Housing Lender

We are an Equal Housing Lender. As prohibited by federal law, we do not engage in discrimination based on race, color, religion, sex, national origin, disability, or familial status.

VA Lender

Mosaic Mortgage Brokerage is not affiliated with or endorsed by the U.S. Department of Veterans Affairs (VA). However, we are proud to offer VA loans and are fully equipped to assist veterans, active-duty service members, and eligible spouses in securing these valuable benefits. Our team is dedicated to helping you navigate the VA loan process and find the best mortgage solution for your needs.

ECOA

We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or because you have exercised your rights under the Consumer Credit Protection Act.

Call us for Assistance

AML

Mosaic Mortgage is committed to preventing money laundering and terrorist financing through our strict adherence to the Anti-Money Laundering (AML) regulations. Our AML program includes robust customer identification procedures, ongoing transaction monitoring, and the reporting of suspicious activities as required by law.

ADA Compliance

Our website is designed to be accessible to everyone, including individuals with disabilities. We are committed to complying with the ADA by ensuring that our website is user-friendly and accessible. If you encounter any accessibility issues, please contact us, and we will assist you promptly.

Customer Identification Program

In accordance with the USA PATRIOT Act, Mosaic Mortgage has implemented a Customer Identification Program (CIP) to verify the identity of our clients. This program helps protect against fraud and identity theft by ensuring that all clients are accurately identified before engaging in any financial transactions.

E-Sign Act

We offer the convenience of electronic signatures and document delivery in compliance with the E-Sign Act. By choosing to sign electronically, you consent to receive disclosures and other documents in electronic form. You have the right to withdraw your consent at any time and request paper copies at no additional cost.

Data Security Measures

We take the security of your personal information seriously. Mosaic Mortgage employs advanced data security measures, including encryption, secure servers, and regular security audits, to protect your sensitive information from unauthorized access and breaches.

Legal Disclaimer(s)

Mosaic Mortgage provides information on this website for general informational purposes only. The content on this website does not constitute a loan offer or legal advice. Additionally, any loan terms, rates, or conditions mentioned are subject to change without notice. Please contact us directly for the most current and accurate information.

Gramm-Leach-Bliley Act (GLBA)

Your privacy is important to us. Mosaic Mortgage adheres to the Gramm-Leach-Bliley Act (GLBA), which governs the collection, disclosure, and protection of your personal financial information. Our Privacy Policy details how we collect, use, and safeguard your information, and your rights to opt-out of certain sharing practices.

FHA Disclosures

Mosaic Mortgage is not affiliated with or endorsed by the Federal Housing Administration (FHA). We provide FHA loan products as part of our mortgage offerings, and we are committed to providing accurate information about FHA loan eligibility and requirements.

Fair Lending

Mosaic Mortgage is dedicated to the principles of fair lending. We do not discriminate based on race, color, religion, national origin, sex, marital status, age, or any other protected characteristic. We are committed to offering equal access to credit for all applicants and to upholding the highest standards of fairness and integrity.

USDA Disclosures

We are proud to offer USDA loans, which are designed to help low-to-moderate-income individuals in eligible rural areas achieve homeownership. Mosaic Mortgage provides transparent information about USDA loan eligibility, benefits, and requirements. Please note that USDA loans are subject to specific criteria set by the U.S. Department of Agriculture.

Consumer Complaint Procedures

If you have any concerns or complaints about your experience with Mosaic Mortgage, we encourage you to contact us directly so that we can address your concerns promptly. We are committed to resolving any issues in a fair and transparent manner.

CFPB Contact Info

If you have a complaint that you feel we have not adequately addressed, you can contact the Consumer Financial Protection Bureau (CFPB) for assistance:

Website: www.consumerfinance.gov

Phone: 1-855-411-2372

Opt-Out Options

To protect your privacy, you can opt out of receiving pre-screened offers of credit by visiting OptOutPrescreen.com or calling
1-888-5-OPT-OUT (1-888-567-8688).

This service is provided by the major credit reporting agencies and helps prevent unsolicited credit offers after your credit is pulled.