Image by Scott Graham

LEGAL OVERVIEW

Looking to learn more?

Reach out to an Essex Mortgage Professional. 

Purchase Loan Process

We take consumer protections seriously. Below are some helpful links regarding compliance with consumer protection laws.

Qualified Written Requests:

Qualified Written Requests are required to be submitted to the address listed below. When Essex Mortgage is in receipt of a Qualified Written Request (as defined by RESPA), an acknowledgment notice is sent within five (5) business days.  We will respond to you within thirty (30) business days of receipt of your written notice, unless otherwise defined by RESPA guidelines.

First Mortgage:

P.O. Box 100078

Duluth, GA 30096

Second or Jumbo Mortgage:

2100 SE 17th Street #112

Ocala, FL 34471

 

Fee Schedule

The Fee schedule provided is a list of common fees and costs that may be incurred in connection with a mortgage loan. Actual fee amounts and costs are subject to change and vary depending on the applicable state law and/or agency guidelines and your loan documents.

Privacy Notice

Find out how we share your personal information. Our Privacy Notice indicates how Essex Mortgage shares your personal information in accordance with federal law and state law.

Notice of Error / Requests for Information / General Complaints

Please submit a written notice of error, information request or general complaint addressed to us, Attention: resolution unit stating the specific error(s) that you believe to have occurred, specific information requested or general complaint. Include your full name, loan number, and submit to: 2100 SE 17th Street #112, Ocala, Fl 34471

Texas Disclosure — For property located in Texas

We are licensed under the laws of the state of Texas and by state law are subject to regulatory oversight by the department of savings and mortgage lending. 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. 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 (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 mortgage banker 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.

We are an Equal Housing Lender. We are committed to fair and responsible lending. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, or age (provided you have the capacity to enter into a binding contract). Further, we do not discriminate against any applicant or customer on the basis that their income derives from any public assistance program or any other basis prohibited by law.