Terms Of Service

The American Foreclosure Association (hereafter “AFA”) website (the “Site”) is available for personal, non-commercial use only. The American Foreclosure Association owns all of the content on the Site and none of the content or information may be copied, distributed, reproduced, published, or sold in any form without the American Foreclosure Association’s written permission or consent. Use of the Site constitutes your agreement to abide by all of the terms and policies set forth therein. If you are not willing to so agree, please immediately discontinue your use of the Site. The American Foreclosure Association may revise this Legal Policy at any time in its sole discretion, with or without notice. As such, users are encouraged to frequently review this policy. The terms “we”, “us” and “our” refer to the American Foreclosure Association .

Disclaimers and Limitation of Liability

Information on this Site is intended solely for general guidance purposes only. None of the information provided on this website constitutes legal, tax, accounting, or other professional advice. Each Site user is advised to consult his or her own financial advisor or legal representative regarding the application of any information on this Site to a user’s individual circumstances. All information included on this website is believed to be accurate, although inaccuracies or typographical errors may exist. Mortgage interest rates, loan terms, and other information on this website are subject to change without notice. This Site may provide links to other websites owned or operated by parties other than the American Foreclosure Association. The American Foreclosure Association does not operate or control in any respect, or endorse any information, software, products or services available on such third-party websites, unless expressly stated otherwise. Such links to third-party websites are provided for your convenience and reference only. Users are advised to review the policies posted by these third-party websites regarding privacy, terms of use, and other topics before using them.

This Site and the information, data, products and services associated with it are provided “as is.” The American Foreclosure Association disclaim any warranties of any kind, whether express or implied, as to any matter whatsoever relating to this Site and any information, data, and services provided herein, including without limitation, any implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and/or representations or warranties that you will obtain or receive a home loan from The American Foreclosure Association. Use of this website is at your own risk. The American Foreclosure Association is not liable for any direct, indirect, punitive, incidental, special or consequential damages or other injury arising out of or in any way connected with your use of the Site or with the delay or inability to use the Site, whether resulting in whole or in part, from breach of contract, tortuous behavior, negligence, strict liability or otherwise, even if the American Foreclosure Association had been advised of the possibility of damages. Some jurisdictions do not allow the exclusion of implied warranties, so such an exclusion may not apply to you.

Compliance with Law and Non-Discrimination

AFA promotes fair housing and equal credit and complies with all applicable laws and regulations. AFA does not unlawfully discriminate against any applicants, persons or Clients on the basis of race, color, religion, national origin, sex, marital status, disability, familial status, age (provided the person has the capacity to enter into a binding contract); because all or part of a Client’s income is derived from any public assistance program; because such person has in good faith exercised any right under the Consumer Credit Protection Act; or, on the basis of any other protected status. AFA will request information from the Client both financial and demographic in nature to address compliance and/or other issues including the number and ages of any dependents or about dependent-related financial obligations or expenditures. Any information a Client is asked to provide regarding race, national origin, citizenship, sex, age, religion, gender, marital status, disability, source of income and other information, AFA may request in order to comply with federal and/or state laws and regulations or for its own information to the extent permitted by law.

504 Grievance Procedure

If you believe that you have been improperly treated in the course of your services rendered as a result of your disability status, please take the following steps:

Raise your concerns with your Case Manager and the Office Manager for the AFA office in which you are receiving services. When possible, put your concerns in writing. Your Case Manager, or your Case Manager’s supervisor, will respond to you within 10 days after receipt of your complaint. If you are not satisfied with the response you receive from your local AFA office, move to step 2.
Contact Quality Control and Compliance (QC) Division at qc@afaprograns.org. Within 14 days, a QC Officer will review AFA policies and procedures to determine whether your assertions have merit and make any corrections necessary to ensure compliance with section 504.

Equal Credit Opportunity Act (ECOA)

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants based on race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capability to enter into a binding contract), because all or part of the applicant’s income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. If you have any questions regarding your rights, or if you wish to file a complaint, please contact the management of this financial institution at 548 Market St, Suite 76745, San Francisco, CA 94104, Attn: Compliance Officer, or

Federal Trade Commission

Equal Credit Opportunity

600 Pennsylvania Avenue, NW

Washington, DC 20580

Telephone: (202) 326-2222

The Fair Housing Act

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. Anyone who feels he or she has been discriminated against should send a complaint to:

U.S. Department of Housing and Urban Development

Assistant Secretary for Fair Housing and Equal Opportunity

451 7th Street, S.W.

Washington, DC 20410

State of California: The Housing Financial Discrimination Act of 1977 Fair Lending Notice / The Holden Act

It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:

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 unsafe and unsound practice, or
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. In addition, these provisions govern financial assistance for the improvement or rehabilitation of an owner-occupied or investor-owned one-to-four unit dwelling.

If you have questions about your rights, or if you wish to file a complaint, Attn: Compliance Officer, via email at qc@afaprograns.org.

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