Fair Housing Guide

Effective Date: June 9, 2026

Our Commitment

Florida Homes & Loans Inc. is committed to providing equal professional service to all buyers, sellers, renters, landlords, borrowers, applicants, and members of the public. We do not discriminate in the provision of real estate brokerage services, mortgage brokerage services, advertising, marketing, referrals, customer service, or business operations on any basis prohibited by law.

We strive to foster an environment that promotes fairness, equal opportunity, professionalism, and respect in every transaction and interaction.

Protected Classes

The Federal Fair Housing Act prohibits discrimination based on:

• Race
• Color
• Religion
• Sex
• National Origin
• Familial Status
• Disability

Additional protections may be provided under federal lending laws, Florida law, local ordinances, and other applicable regulations.

Mortgage-related services are also subject to the Equal Credit Opportunity Act (ECOA), Fair Housing Act, Home Mortgage Disclosure Act (HMDA), and other consumer protection laws that prohibit unlawful discrimination in lending and housing-related transactions.

What This Means in Practice

• We do not steer buyers, sellers, renters, landlords, borrowers, or applicants based on protected characteristics.
• We do not make discriminatory statements in advertising, marketing materials, social media content, website content, listing remarks, communications, or service decisions.
• We do not treat consumers differently in housing or mortgage-related services based on protected status.
• We provide information regarding available properties, mortgage programs, and services without regard to protected characteristics.
• We strive to ensure our advertising and communications promote equal housing opportunity.
• We support fair lending practices and equal access to mortgage financing opportunities.

Advertising and Marketing Standards

Florida Homes & Loans reviews advertising, marketing, social media content, website content, and promotional materials to help ensure compliance with fair housing, fair lending, and consumer protection requirements.

Advertising shall not contain discriminatory language, preferences, limitations, exclusions, or implications regarding protected classes. Marketing materials are intended to promote equal access to housing opportunities and mortgage financing.

Mortgage Fair Lending Commitment

FHL Mortgages is committed to fair lending practices and compliance with applicable lending laws and regulations. Credit decisions are based upon lawful underwriting standards, investor guidelines, borrower qualifications, property eligibility requirements, and applicable regulatory requirements.

We do not discriminate in the availability, terms, pricing, processing, underwriting, or servicing of mortgage-related products and services on any basis prohibited by law.

Accessibility and Accommodation

Florida Homes & Loans supports reasonable accommodations and effective communication where required by law and where reasonably appropriate to help ensure equal access to our services.

Individuals requiring accommodations related to disabilities or accessibility concerns are encouraged to contact us so we can evaluate available options and provide assistance where appropriate.

Employee Training and Compliance

Florida Homes & Loans maintains compliance programs, policies, procedures, monitoring processes, and employee training designed to support compliance with fair housing and fair lending requirements.

Employees, loan originators, agents, contractors, and other representatives are expected to conduct business in a manner consistent with these principles and applicable laws.

Reporting Concerns

If you believe you have experienced discrimination, unequal treatment, or a fair housing or fair lending concern in connection with our services, we encourage you to contact us promptly so the matter can be reviewed.

Consumers may also seek information regarding fair housing rights through the U.S. Department of Housing and Urban Development (HUD), the Consumer Financial Protection Bureau (CFPB), the Florida Commission on Human Relations, or other applicable regulatory agencies.

Equal Housing Opportunity

Florida Homes & Loans Inc. and FHL Mortgages proudly support Equal Housing Opportunity and are committed to providing professional service in a manner that promotes fairness, respect, accessibility, and equal treatment for all consumers.