In accordance with state and federal regulations, the following disclosure and licensing information is available for you to review online:
Home Mortgage Disclosure Act
Equal Housing Opportunity Lender
The Housing Financial Discrimination Act of 1977 California Fair Lending Notice
Equal Credit Opportunity Act Fair Lending Notice
State Licenses
Special Notices

Home Mortgage Disclosure Act (HMDA)

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; income of applicants and borrowers; and information about loan approvals and denials. Inquire at 1761 E. Garry Ave., 2nd Floor, Santa Ana, Ca 92705 regarding the location where HMDA data may be inspected. To receive a copy of the data, send a written request to:
WJ Capital Corporation
Fair Lending Department
1761 East Garry Ave. 2nd Floor
Santa Ana, Ca 92705

Equal Housing Opportunity Lender

We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin.
In the sale or rental of housing
In advertising the sale or rental of housing
In the financing of housing
In the provision of Real Estate brokerage service
In the appraisal of housing
Blockbusting is also illegal

Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll free), or 1-800-927-9275 (tdd). U.S. Department of Housing and Urban Development Assistant Secretary for Fair Housing and Equal Opportunity, Washington DC 20410.

The Housing Financial Discrimination Act of 1977

California Fair Lending Notice 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 an unsafe and unsound business practice
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, and 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 residence.

If you have any questions about your rights, or if you wish to file a complaint, contact the management of this financial institution or:

Department of Corporations
320 West 4th Street
Suite 750
Los Angeles, CA 90013-1105

WJ Capital Corporation analyzes its new loan applications utilizing a sophisticated automated underwriting system that relies upon artificial intelligence to approve its mortgage loan applications.

More specifically, WJ Capital Corporation presently uses an automated underwriting system. The automated underwriting system analyzes a mortgage loan application¹s particular risk characteristics relating to credit reputation, collateral, and repayment capacity and then quantifies that application¹s risk. The system then issues a loan decision for each application analyzed based on the past performance of loans with a similar combination of risk characteristics noted above.

In cases where automated underwriting is unable to approve an application, the application is traditionally underwritten by a human underwriter who manually assesses an application¹s credit reputation, collateral, and repayment capacity using traditional Fannie Mae and Freddie Mac underwriting criteria as a guide.

You have the right to make a loan inquiry and to file a written application for a mortgage loan or home improvement loan and to receive a written response to the application.

Equal Credit Opportunity Act Fair Lending Notice

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity 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. The federal agency that administers compliance with this law concerning the creditor is:

Mortgage Companies
Federal Trade Commission
Equal Credit Opportunity
Room 4037
Washington DC 20580

Licenses

Applicable state disclosure regulations require the following licenses to be explicitly disclosed:
California Department of Real Estate Broker license number:01255388
Licensed by the Nevada state Department of Finance
Licensed by the Colorado Department of Finance and Real Estate
Licensed by the State of Florida Department of Financial Institutions

WJ Capital Corporation
1761 East Garry Avenue Second Floor
Santa Ana, California 92705

Equal Housing Opportunity Lender