This form is required of all loan applicants under the Patriot Act. All loan applicants must complete this form, providing a copy of the required materials to verify their identity.

This is the standard Borrower's Authorization & Certification form that allows your mortgage consultant to start working on your behalf. This form does not obligate the borrower to anything, but does provide LFS Home Loans the ability to verify information such as your employment, credit history, mortgage history, etc.

The Equal Credit Opportunity Notice affirms that LFS Home Loans does not discriminate against home loan applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all of 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 RESPA Servicing Disclosure explains to applicants that LFS Home Loans will not be the company you make monthly mortgage payments too. LFS Home Loans is a broker who makes banks compete for your business. We search the top lenders in the nation to find the best possible loan program and rates for each of our customers.

This Fair Lending Notice is a result of The Housing Financial Discrimination Act of 1977. This form affirms LFS Home Loans' commitment not to discriminate against borrowers whose homes are in neighborhoods that are predominately occupied by one particular protected class or another. This form is required by law on all residential mortgage transactions.