Best Interest Financial  Compliance Disclosure

Effective Date: February 20, 2025

Best Interest Financial (“Company,” “we,” “our,” or “us”) is committed to maintaining full compliance with all applicable federal and state laws governing mortgage lending practices. This Website Compliance Disclosure outlines our adherence to regulatory requirements and consumer protection standards, ensuring transparency, fair lending, data security, and accessibility for all users. By accessing and using this website, you acknowledge and agree to the terms set forth in this disclosure.

Clear and Accurate Disclosures

We provide clear, accurate, and readily accessible disclosures regarding loan terms, interest rates, applicable fees, and potential risks associated with mortgage products. These disclosures align with the requirements of the Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA) to ensure that all borrowers receive the necessary information to make informed financial decisions.

Equal Opportunity and Fair Lending

Best Interest Financial is an equal opportunity lender. We strictly adhere to the **Equal Credit Opportunity Act (ECOA)**and all related fair lending regulations, ensuring that no applicant is discriminated against based on race, color, religion, national origin, sex, marital status, age, or other protected characteristics. Our policies and procedures promoting fair lending are publicly accessible on our website.

Privacy and Data Security

We take consumer privacy seriously and comply with all applicable privacy and data protection laws, including the Gramm-Leach-Bliley Act (GLBA) and the Fair Credit Reporting Act (FCRA). Our website employs secure encryption and data protection measures to safeguard user information. Our Privacy Policy outlines how personal information is collected, used, and protected. By using our services, you consent to our data collection and security practices.

Website Accessibility Compliance

Best Interest Financial is committed to providing an accessible digital experience for all users, including individuals with disabilities. We comply with the Americans with Disabilities Act (ADA) and Web Content Accessibility Guidelines (WCAG).

Home Mortgage Disclosure Act (HMDA) Compliance

If applicable, we collect and report loan application data in compliance with the Home Mortgage Disclosure Act (HMDA). This reporting ensures transparency in lending practices and assists regulatory agencies in monitoring fair lending compliance.

Secure Online Applications

To protect sensitive customer information, we implement robust security measures for online mortgage applications. Our website utilizes secure data transmission protocols, encryption, and multi-layer authentication to safeguard personal and financial data from unauthorized access.

Regular Compliance Audits

Best Interest Financial conducts periodic compliance audits to ensure that our website and digital services remain in full regulatory compliance. These audits include reviewing disclosures, security measures, website accessibility, and adherence to lending laws. Users can trust that we take proactive steps to mitigate compliance risks.

Employee Training and Compliance Awareness

Our employees receive ongoing training in regulatory compliance, data security, and fair lending practices. This ensures that all team members understand their responsibilities and contribute to maintaining a legally compliant and consumer-friendly experience.

By using this website, you acknowledge that you have read, understood, and agreed to the terms of this Website Compliance Disclosure.