Disclosures & Licenses

YouLand Licensing Information and Federal and State Disclosures for California residents

YouLand's Nationwide Multistate Licensing System (NMLS) ID Number is 2090196.
CA Dept. of Business Oversight - Finance Lenders Law License (CL-6070976)
CA Dept. of Financial Protection and Innovation - Financing Law License (CL-2090196)
OR - Mortgage Lender’s License (CL-2090196)
WA - Consumer Loan License (CL-2090196)
TX - SML Mortgage Company License (CL-2090196)
CO - Loans made or arranged pursuant to Mortgage Company Registration with the Colorado Division of Real Estate (CL-2090196)
Important State Specific Disclosures
For California
The housing financial discrimination act of 1977 fair fair lending notice it is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of: 1. 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; or 2. 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 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
3700 Wiltshire Boulevard, Suite 600,
Los Angeles, CA 90010
Department of Corporations
1390 Market Street, Suite 810,
San Francisco, CA 94102
For Texas
Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the texas department of savings and mortgage lending, 2601 north lamar, suite 201, austin, texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. a toll-free consumer hotline is available at 1-877-276-5550.
The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov.
Important Federal Disclosures
Taxpayer Consent Acknowledgment
In an ongoing effort to better understand and serve the users of the Services, the Company often conducts research on its customer demographics, interests, and behavior based on the Personal Data and other information provided to us. This research may be compiled and analyzed on an aggregate basis, and the Company may share this aggregate data with its affiliates, agents, and business partners. This aggregate information does not identify you personally. The Company may also disclose aggregated user statistics in order to describe our services to current and prospective business partners, and to other third parties for lawful purposes.
YouLand Disclosures and Licenses Information
YouLand Inc. is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any 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 the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.
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