HOURS OF OPERATION

9:00 AM to 5:00 PM • MONDAY THRU FRIDAY AT 305-767-2627 OR EMERGENCY 832-876-4202

We Do Business in Accordance With the Federal Fair

Housing Law

(The 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 or residential lots
• In advertising the sale or rental of housing
• In the financing of housing
• In the provision of real estate brokerage services
• 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)1-800-927-9275 (TTY) https://www.hud.gov/guidance housing

U.S. Department of Housing and Urban DevelopmentAssistant Secretary for Fair Housing and Equal OpportunityWashington, D.C. 20410Carrero Mortgage Advisors LLCNMLS ID: 1734670 Street Address: 3600 Red Road Suite 310 Miramar, FL 33025Mailing Address: 3600 Red Road Suite 307Miramar, FL 33025

Phone: 305-­767­-2627

Fax: 888-667-7349

Customer Complaint Policy

It is the policy of our company to respond to customer complaints, disputes and issues immediately, to take each complaint seriously, to investigate each complaint however small it is – immediately and to take remedial actions swiftly.

As soon as a complaint is received, it is documented and is logged into a special log. The complaint is sent directly to the Customer Complaint Officer or designates, in order to take action. Our Customer Complaint Officer is Sunnblin Fonseca.

All complaints and records of complaints are kept in a special complaints binder along with the Customer Complaint Officer’s Quality Control Files and other written policies so employees can easily access them and use them yo provide better customer service. Reports on complaints are reviewed during the Customer Complaint Officer’s meetings with our board. We are focused on providing during financial products and services to all customers in compliance with all Federal State regulatory policies including but not limited to consumer protection, fair lending and civil rights laws.

In the event a complaint needs to be filed with us the complaining entity or person may:

•Contact our Customer Complaint Officer at the number above

Notify our Customer Complaint Officer in Writing via email.
Write a traditional letter to us at the address below.

The complaint should be encouraged to be submitted in writing, and should include the following information:

The name, address, and telephone number for the complainant
A description of the act or practice that is thought to be unfair or deceptive, or in violating existing law or regulation, including all Relevant facts.

Response to a complaint sent directly to us will typically be provided before the end of thirty (30) day period from the date that we received to complain.

In the event a complaint is not resolved to your satisfaction you may contact the Consumer Financial Protection Bureau at

http://www.consumerfinance.gov/complaint/

Notice

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all banks to obtain, verify and record information that identifies each person who cashes checks, wire funds or engages in other financial services with this establishment. We will ask for your name, physical address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license and other identifying documents.

Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.

• We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.

• We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.

• We will only retain personal information as long as necessary for the fulfillment of those purposes.

• We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.

• Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.

• We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.

• We will make readily available to customers information about our policies and practices relating to the management of personal information.

We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained. This short outline included important aspects of our privacy policy. To review our entire privacy policy, email us at the address on our home page.

These materials are not from HUD, FHA, the USDA, or the VA. These materials were not approved by any government agency. They are independent of any government agency. We are not in any way affiliated with any organization listed or referenced within this website, including HUD/FHA/USDA/VA. The inclusion of various education, information, web links, or materials are not an endorsement of the Sender or any of its employees or business partners.

For information directly from HUD/FHA, visit https://www.hud.gov/guidance

For information directly from the VA, visit http://www.benefits.va.gov/HOMELOANS/

For information directly from the USDA, visit http://www.usda.gov/wps/portal/usda/usdahome?navid=GRANTS_LOANS

Our mission statement:

To be a mortgage company that Jesus Christ would do business with. We have built a strong reputation as an outstanding mortgage firm, serving the lending needs of real estate professionals, builders, and individual homebuyers throughout the state offering the lowest home mortgage rate.

Carrero Mortgage Advisors, LLC NMLS# 1734670 is an Equal Housing Opportunity Lender. © Copyright [year] and is headquartered at 3600 Red Road Suite 310, Miramar, FL 33025. All rights reserved. Nationwide Mortgage Licensing System (NMLS) Consumer Access Web Site: www.nmlsconsumeraccess.org.

Figure: 7 TAC 80.200(b)

“ANY CONSUMER 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.“

These materials are not from HUD, FHA, the USDA, or the VA.Carrero Mortgage Advisors, LLC NMLS# 1734670 is an Equal Housing Opportunity Lender. © Copyright 2021 and is headquartered at 3600 Red Road Suite 310, Miramar, FL 33025. All rights reserved. Nationwide Mortgage Licensing System (NMLS) Consumer Access Web Site: www.nmlsconsumeraccess.org. These materials are not from HUD, FHA, the USDA, or the VA. These materials were not approved by any government agency. They are independent of any government agency. We are not in any way affiliated with any organization listed or referenced within this website, including HUD/FHA/USDA/VA. The inclusion of various education, information, web links, or materials are not an endorsement of the Sender or any of its employees or business partners.