Mortgage Disclaimer

Important disclosures required by federal and state law

Licensing Disclosure

Jason Seibel (NMLS #171895) is a licensed mortgage loan originator with Innovative Home Loan (Company NMLS #1838984). Licensed to originate mortgage loans in Oregon, Washington, California, Idaho, Texas, Florida, Tennessee, and South Carolina.

To verify our licenses, visit the NMLS Consumer Access database at nmlsconsumeraccess.org.

Not a Commitment to Lend

Nothing on this website or in any communications from Jason Seibel or Innovative Home Loan constitutes an offer to extend credit, a commitment to lend, or a guarantee of loan approval. All loan applications are subject to:

Full credit review and underwriting approval
Verification of income, assets, and employment
Satisfactory property appraisal
Title insurance requirements
Compliance with all applicable guidelines at the time of closing
Market conditions, which may change prior to loan closing

Rate & Payment Disclosures

Interest rates, APR, and monthly payment amounts shown on this website or provided in any estimate are for informational purposes only and do not constitute a rate lock or rate guarantee. Rates change daily based on market conditions. Your actual rate will be based on your credit profile, loan amount, property type, and the market rate at the time of rate lock.

The loan calculator on this website provides estimates only. Actual payments may differ based on final loan terms, property taxes, homeowner's insurance, HOA fees, and mortgage insurance premiums (if applicable), which are not included in calculator estimates unless stated.

Equal Housing Lender

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Equal Housing Lender. We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.

Federal Regulatory Compliance

Innovative Home Loan operates in compliance with the following federal laws and regulations:

Truth in Lending Act (TILA) / Regulation Z — Requires disclosure of loan costs and terms
Real Estate Settlement Procedures Act (RESPA) — Governs settlement services and disclosures
Equal Credit Opportunity Act (ECOA) — Prohibits discrimination in lending
Fair Housing Act — Prohibits discriminatory housing practices
Home Mortgage Disclosure Act (HMDA) — Requires reporting of mortgage lending data
Gramm-Leach-Bliley Act (GLBA) — Governs privacy of consumer financial information

State-Specific Disclosures

California: Loans made or arranged pursuant to a California Finance Law license. Jason Seibel, DRE #[number]. California Bureau of Real Estate. Consumers may file complaints with the California Department of Financial Protection and Innovation (DFPI).

Oregon: Oregon Mortgage Lending License #ML-[number]. Licensed by the Oregon Division of Financial Regulation.

Washington: Washington Consumer Loan Company License #CL-[number]. Licensed by the Washington Department of Financial Institutions.

Texas: Texas Mortgage Banker Registration #[number]. Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker 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. The complaint form and instructions may be obtained from the department's website at www.sml.texas.gov.

Note: State license numbers are pending update. Please verify current licensing at nmlsconsumeraccess.org.

Contact

Jason Seibel — Innovative Home Loan
NMLS #171895 | Company NMLS #1838984
(503) 720-3730
jason@innovativehomeloan.com

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