Required Texas Disclosure

Texas Consumer Complaint and Recovery Fund Notice

The following notice is provided pursuant to Figure: 7 TAC §81.200(c) and applies to residential mortgage loan origination activity in the State of Texas. Derek Huit (NMLS #203980) originates Texas residential mortgage loans as a licensed residential mortgage loan originator sponsored by Cardinal Financial Company, Limited Partnership (NMLS #66247), a registered Texas mortgage banker.

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 1-877-276-5550.

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.

Complaint forms and instructions: sml.texas.gov/consumers/complaints. Equal Housing Opportunity. This page is a required regulatory disclosure and is not a commitment to lend.

Derek Huit, NMLS #203980 (NMLS Consumer Access), is licensed to originate mortgage loans in Alaska, Florida, Georgia, Illinois, Indiana, Michigan, Montana, Oklahoma, Texas, and Washington. Cardinal Financial Company, Limited Partnership, NMLS #66247 (NMLS Consumer Access), holds state licenses as described at cardinalfinancial.com/nmls-licensing. Visit the NMLS Consumer Access website at www.nmlsconsumeraccess.org for regulatory information about us. Cardinal Financial Company, Limited Partnership (NMLS ID 66247). Equal Housing Opportunity.

USA.loan is a private website operated by a licensed mortgage loan originator and is not a government agency. It is not affiliated with, endorsed by, or sponsored by the U.S. government, the Department of Veterans Affairs, HUD, FHA, USDA, or any other federal or state agency. Texas consumers: Texas Consumer Complaint and Recovery Fund Notice.

This is not a commitment to lend. All loans subject to credit approval, underwriting, and appraisal. Rates, terms, and programs are subject to change at any time without notice. Not all applicants will qualify. This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the state of New York will be accepted through this site.

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