Regulatory Disclosures

General Lending Disclosure

Capital Financial Group Corporation is a licensed mortgage lender. Nothing on this website or in any communication from our company constitutes a commitment or agreement to lend. All mortgage loan applications are subject to credit approval, income verification, asset verification, property appraisal, title review, and satisfaction of all applicable underwriting conditions. Loan programs, interest rates, terms, fees, and availability are subject to change without notice and may not be available in all states or for all property types.

NMLS Licensing

Capital Financial Group Corporation is licensed through the Nationwide Multistate Licensing System & Registry (NMLS). Verify our licensing status at:

State Licensing

Capital Financial Group Corporation is licensed to originate mortgage loans in the following states:

Licensing is subject to change. Verify current status at nmlsconsumeraccess.org.

Equal Housing Lender

Capital Financial Group Corporation is an Equal Housing Lender. We are committed to the principles of the Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, national origin, religion, sex, familial status, disability, age, marital status, or any other characteristic protected by applicable law.

Truth in Lending Act (TILA) / Regulation Z

In accordance with TILA and Regulation Z, we will provide you with a Loan Estimate within 3 business days of receiving your completed loan application. A Closing Disclosure will be provided at least 3 business days before your loan closing. These disclosures are designed to help you understand the true cost of your mortgage loan.

Real Estate Settlement Procedures Act (RESPA)

Capital Financial Group Corporation complies with RESPA and Regulation X. We will provide you with a Special Information Booklet, Loan Estimate, and Closing Disclosure as required by law. We do not accept kickbacks, referral fees, or unearned fees in connection with mortgage loan transactions. You have the right to select your own settlement service providers.

Home Mortgage Disclosure Act (HMDA)

Capital Financial Group Corporation is subject to HMDA and collects and reports data on mortgage loan applications and originations as required by law. HMDA data is publicly available through the CFPB at consumerfinance.gov.

Appraisal Independence

In compliance with the Dodd-Frank Act and applicable appraisal independence requirements, Capital Financial Group Corporation maintains strict separation between our loan production staff and the appraisal ordering process. Appraisers are selected independently and are not subject to pressure or influence from loan officers or other production staff.

Flood Insurance Disclosure

If the property securing your mortgage loan is located in a Special Flood Hazard Area (SFHA) as determined by FEMA flood maps, you will be required to obtain and maintain flood insurance as a condition of your loan.

Homeownership Counseling

HUD-approved homeownership counseling is available to all borrowers. Visit hud.gov/findacounselor or call 1-800-569-4287. Counseling is available in multiple languages.

Rate and APR Disclosures

Interest rates and APRs displayed on this website are for illustrative purposes only and are subject to change without notice. Actual rates are determined by individual creditworthiness, loan-to-value ratio, loan amount, property type, occupancy, and current market conditions. Contact a CFGC loan officer for a personalized rate quote.

Regulatory Complaints

If you have a complaint about our mortgage services, you may contact:

• Consumer Financial Protection Bureau (CFPB): consumerfinance.gov/complaint or 1-855-411-2372
• Florida Office of Financial Regulation: flofr.gov or 1-850-487-9687
• HUD Fair Housing: hud.gov/fairhousing or 1-800-669-9777

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