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| Information about Lenders AmeriSouth Mortgage Co. General Information Who is AmeriSouth Operating as a mortgage banker, AmeriSouth has developed relationships with some of the strongest mortgage investors in the country, including Freddie Mac. In addition to our in-house lending, these relationships allow AmeriSouth to offer a complete range of loan programs and pricing to satisfy the needs of any mortgage consumer. Loan programs include conventional, government, and non-conforming products using fixed-rate and various adjustable-rate mortgages. From origination through closing, AmeriSouth employs an experienced staff, whose sole function is to assure customer satisfaction. This staff includes an in-house FHA Direct Endorsement Underwriter to provide timely decisions on your government loans. Our staff's commitment to this industry is supported by continued training and investing in the latest technology. AmeriSouth holds professional memberships in the Mortgage Bankers Association of America, Mortgage Bankers Association of the Carolinas, Charlotte Mortgage Bankers Association, as well as the National and North Carolina Association of Mortgage Brokers. The company also holds affiliate memberships with the Charlotte Association of Realtors and National Home Builders Association along with the Better Business Bureau. (www.bbbonline.org) We at AmeriSouth would appreciate the opportunity to serve you. With our comprehensive programs, experienced staff and aggressive pricing, we are sure you will be satisfied. We look forward to working with you soon. Our Commitment Our commitment at AmeriSouth is to treat each customer as an individual. Each customer has different financial needs and qualifications. Our experienced Loan Officers guide their customers toward the products and services that best serve their interests. During each phase of the loan process, we want our customers assured that everything is being done to guarantee their satisfaction. With the support of the entire professional staff at AmeriSouth Mortgage Company, we deliver excellent service. Privacy Act/Consumer Information Acts Notice AmeriSouth Mortgage Company acknowledges and complies with the requirements to assure that your privacy is protected associated with a mortgage transaction. Any concerns or questions involving the privacy of your loan should be directed to management by calling 800-849-2378. Additionally, we bring the following two notices to your attention: Privacy Act Notice The information to be obtained will be used by the lender and any federal agency issuing, guaranteeing or purchasing the mortgage to determine whether you qualify as a prospective borrower under the lender's and the agency's underwriting standards. The information will not be disclosed outside the lender and federal agency without your consent except to the person or company verifying the information including, but not limited to, your employer, bank, lender and any other credit reference as needed to verify other credit information and as permitted by law. You do not have to give us this information, but if you do not, your mortgage loan application may be delayed or rejected. The information we will obtain is authorized by Title 38, U.S.C. Chapter 37 (if VA); and 12 U.S.C., Section 1701 et seq. (if HUD/FHA). Consumer Information Acts Notice The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit 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 or 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 Acts. The federal agency that administers compliance with the law concerning the creditor is the Federal Trade Commission, Equal Credit Opportunity, 1718 Peachtree Street, NW Room 1000, Atlanta, Georgia, 30367.
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