Licenses & Disclosures

Consumer Real Estate Finance Company (CREFCO) is an equal housing lender.

Consumer Real Estate Finance Co. (NMLS #104621) is duly licensed by the Alabama State Banking Department (21708); by the Colorado Department of Regulatory Agencies – Division of Real Estate (104621); by the Florida Office of Financial Regulation (MBR701); by the Georgia Department of Banking (24094); by the Indiana Department of Financial Institutions (21572); by the Kentucky Department of Financial Institutions (MB71773); by the Louisiana Office of Financial Institutions (104621); by the Maine Office of Consumer Credit Regulation (104621); by the Michigan Department of Licensing and Regulatory Affairs (FL0018909); by the Ohio Department of Financial Institutions (MB.803105.000); by the Pennsylvania Department of Banking (44073); by the Tennessee Department of Financial Institutions (115506); by the Texas Department of Savings and Mortgage Lending (104621); by the Virginia State Corporation Commission (MC-4892); by the California Department of Business Oversight (603 L192) and by the North Carolina Commissioner of Banks (L-162572).

Fees & charges apply and may vary by product and State. APR shown assumes 2% points. Subject to underwriting approval. Application required; not all applicants will be approved. Full documentation & property insurance required. Loan secured by a lien against your property. Consolidating or refinancing debts may increase the time and/or the total amount needed to repay your debt. Taxes & insurance extra. Terms, conditions & restrictions. Lock in agreement required to secure rate. Recent rate but subject to change without notice. Rates, loan products, & fees subject to change without notice. Your rate and term may vary. Call for details.

By submitting your social security number you give consent to allow the Consumer Real Estate Finance Co to do a credit pull.

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.