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Lending Regulations

Texas Department of Savings and Mortgage Lending

Consumer Financial Protection Bureau

U. S. Department of Housing and Urban Development - Buying a Home

National Association of Mortgage Professionals

Homebuyer Education by Freddie Mac

Federal Reserve Board Consumer Information

Fannie Mae - Home Path

Fannie Mae

Texas Department of Savings and Mortgage Lending

CONSUMER COMPLAINTS AGAINST
MORTGAGE RELATED COMPANIES AND INDIVIDUALS
DOING BUSINESS IN TEXAS

You have the right to file a complaint against Residential Mortgage Loan Originators, Mortgage Companies, Financial Services Companies, Auxiliary Mortgage Loan Activity Companies, and Independent Contractor Loan Processors and Underwriters licensed under Texas Finance Code Chapter 156, Residential Mortgage Loan Company and Residential Mortgage Loan Originator Licensing and Registration Act; or


Residential Mortgage Loan Originators and Mortgage Bankers under Texas Finance Code Chapter 157, Mortgage Banker Registration and Residential Mortgage Loan Originator License Act; or


Residential Mortgage Loan Servicers Under Texas Finance Code Chapter 158, Residential Mortgage Loan Servicer Registration Act; or


a state savings bank if you feel you have been wronged in any way regarding your financial dealings and or transactions. To file a complaint, please read and follow the instructions below carefully. If you have any questions or if you need clarification please contact us.

Please note that the Department maintains the Recovery Fund to assist consumers who have been financially harmed by a licensed individual referenced above. A Recovery Fund claims may be filed against individuals who were properly licensed at the time of the financial harm and who participated in the fund. For more information about the Recovery Fund, please consult subchapter F of the Residential Mortgage Loan Company and Residential Mortgage Loan Originator Licensing and Registration Act "Statutes and Regulations" link found under Statutes and Rules.

Consumer Financial Protection Bureau

U. S. Department of Housing and Urban Development - Buying a Home


U. S. Department of Housing and Urban Development website provides extensive information about buying a home including affordability, borrower's rights, tips and tricks for shopping for a loan, and details about different home buying programs including FHA loan programs and other special programs.

U.S. Department of Housing and Urban Development

National Association of Mortgage Professionals

Homebuyer Education by Freddie Mac
Freddie Mac is a publicly held corporation chartered by Congress to increase the supply of funds that mortgage lenders, such as commercial banks, mortgage bankers, savings institutions and credit unions, can make available to homebuyers and multifamily investors. This Freddie Mac site offers a step-by-step tutorial on the home buying decision process and the mortgage application process.

Federal Reserve Board Consumer Information
The Federal Reserve Board maintains a web page with consumer information, including a section on home mortgages. The section covers topics such as finding the best mortgage and understanding ARMs.

Fannie Mae - Home Path
Fannie Mae is a government-sponsored enterprise (GSE) chartered by Congress with a mission to provide liquidity, stability and affordability to the U.S. housing and mortgage markets. Home Buying Process guide on their website offers valuable information about buying a home. This website also provides important information for home owners.

Fannie Mae

Construction Financial Services, Inc. NMLS #310747
18568 Forty Six Parkway, Suite 3002, Spring Branch, TX  78070
Office:  (830) 438-4558
Loans@ConstructionFinancial.com
Copyright © 2017 Lenders are required to provide the "Your Home Loan Toolkit", which has been provided by the Consumer Finance Protection Bureau created to comply with federal law pursuant to 12 U.S.C. 2604, 12 CFR 1024.6, and 12 CFR 1026.19(g). This is for all loan transactions effective 10/3/2015. Please click on the link to download a copy. http://files.consumerfinance.gov/f/201503_cfpb_your-home-loan-toolkit-web.pdf

CONSTRUCTION FINANCIAL SERVICES, INC. IS LICENSED UNDER THE LAWS OF THE STATE OF TEXAS, AND BY STATE LAW, IS SUBJECT TO REGULATORY OVERSIGHT BY THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A 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.
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