Fair Lending Policy

Our Commitment

HomeCashLine.com is committed to fair, equitable, and nondiscriminatory treatment of all applicants. We operate in full compliance with all applicable federal and state fair lending laws, including:

• Equal Credit Opportunity Act (ECOA) — prohibits discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, or because you receive public assistance.
• Fair Housing Act (FHA) — prohibits discrimination in residential real estate transactions, including home equity lending, based on race, color, national origin, religion, sex, familial status, or disability.
• Home Mortgage Disclosure Act (HMDA) — requires collection and reporting of loan data to identify potential discriminatory lending patterns.
• Community Reinvestment Act (CRA) — encourages financial institutions to meet the credit needs of the communities in which they operate.

Nondiscrimination Statement

HomeCashLine.com does not discriminate against any applicant 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), familial status, disability, sexual orientation, gender identity, veteran or military status, receipt of public assistance income, or any other characteristic protected by applicable law.

All applicants are evaluated solely on the basis of financial qualifications including credit history, income, debt-to-income ratio, loan-to-value ratio, and property characteristics.

Lead Generation Disclosure

HomeCashLine.com is a lead generation and matching service, not a direct lender. We connect applicants with a network of third-party HELOC lenders and financial institutions. Each lender in our network is independently responsible for their own fair lending compliance and credit decisions.

All lending partners in our network are required to comply with ECOA, FHA, and all other applicable fair lending laws as a condition of participation.

Your Rights Under ECOA

Under the Equal Credit Opportunity Act, you have the right to:

• Be considered for credit without regard to protected characteristics
• Know within 30 days of a completed application whether your loan application has been approved or denied
• Receive a written notice of the reasons for denial if your application is denied
• Learn the specific reasons for denial if asked within 60 days of notification
• Have creditors report your account information in both spouses' names if you are married
• Retain copies of all documents submitted as part of your loan application

How to File a Complaint

If you believe you have been discriminated against in a credit transaction, you have the right to file a complaint. Contact us first at support@homecashline.com and we will investigate promptly.

You may also contact the following federal agencies:

• Consumer Financial Protection Bureau (CFPB): consumerfinance.gov/complaint or 1-855-411-2372
• U.S. Department of Housing and Urban Development (HUD): hud.gov or 1-800-669-9777
• Federal Trade Commission (FTC): reportfraud.ftc.gov

Contact Us

For questions about our Fair Lending Policy:
Email: support@homecashline.com
Phone: 1-800-426-2252