Our commitment
HMCO, LLC supports Equal Housing Opportunity and the principles of the Fair Housing Act, Equal Credit Opportunity Act and other applicable fair lending and anti-discrimination laws. HMCO does not discriminate in any aspect of a mortgage transaction on a prohibited basis, including race, color, religion, national origin, sex, marital status, age when a person has capacity to contract, receipt of income from a public assistance program, good-faith exercise of rights under the Consumer Credit Protection Act, disability, familial status, or any other characteristic protected by applicable law.
Service standards
HMCO’s policy is to:
- Provide information about mortgage brokerage services without discouraging an inquiry based on a protected characteristic or the demographic composition of a community.
- Apply consistent service and documentation standards to similarly situated consumers while recognizing legitimate program and underwriting differences.
- Present available mortgage options and material tradeoffs accurately, without steering a consumer toward or away from a product for a prohibited reason.
- Use property, income, credit and other information only for legitimate business, underwriting, fraud-prevention and legal purposes.
- Review marketing, partnerships, service areas and business practices for fair-lending risk.
- Train and supervise personnel on fair lending, privacy, advertising, complaint handling and Equal Housing obligations appropriate to their responsibilities.
Access, language and accommodations
HMCO seeks to provide reasonable assistance to consumers who need an accommodation to access public website information or communicate with us. Contact HMCO to discuss an accessibility need or preferred communication method. The availability of translated materials or interpretation may vary, and the English-language mortgage documents provided by the applicable lender control unless law requires otherwise.
Mortgage decisions
HMCO is a mortgage broker and arranges loans with third-party providers. Final underwriting, pricing, approval and credit decisions are made under applicable program and provider requirements. A difference in outcome does not by itself establish discrimination, but every concern will be taken seriously and reviewed.
Raise a concern
Contact HMCO promptly if you believe you were treated inconsistently, discouraged, denied access, or subjected to inappropriate conduct:
HMCO, LLC
335 Ames Rd, Canton, NY 13617
NMLS #2799257
hello@myhmco.com
(888) 801-2004
You may also use the independent state and federal resources listed on our Consumer Support and Complaints page. HMCO prohibits retaliation for making a good-faith complaint or requesting an accommodation.