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HMDA Disclosure Statement

In accordance with the Home Mortgage Disclosure Act (HMDA), CMI Financial Group Ltd. is required by federal law to maintain, report, and make available to the public certain information about our mortgage lending activity.

The HMDA data show the geographic distribution of loans and applications; the ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.

How to Obtain Our HMDA Disclosure Statement:
A copy of CMI Financial Group Ltd.’s HMDA disclosure statement is available for review. To request a copy, please contact us at:
CMI Financial Group Ltd.
150 Alhambra Circle
Coral Gables, Florida, 33134
Phone: (888) 465-1432

You may also obtain HMDA data from the Consumer Financial Protection Bureau (CFPB) at:
👉 https://ffiec.cfpb.gov/data-publication

TILA–RESPA Integrated Disclosures (TRID)


CMI Financial Group Ltd. complies with the TILA–RESPA Integrated Disclosure Rule (TRID). For covered mortgage products, applicants will receive:

  • A Loan Estimate within three (3) business days of submitting a complete application (§1026.37).

  • A Closing Disclosure at least three (3) business days before closing (§1026.38).
     

These disclosures are designed to help you:

  • Understand the key features, costs, and risks of your mortgage loan.

  • Compare loan offers more easily.

  • Avoid surprises at closing.
     

Helpful Resources:
For more information and interactive consumer tools, please visit the Consumer Financial Protection Bureau (CFPB) website:
👉 https://www.consumerfinance.gov/owning-a-home/loan-estimate/
👉 https://www.consumerfinance.gov/owning-a-home/closing-disclosure/

Avoidance of UDAAP

At CMI Financial Group Ltd., we are committed to transparent, fair, and ethical communication. In compliance with the Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) standards:
 

  • We do not make false, misleading, or unsubstantiated claims (such as “guaranteed approval” or “best rates”).

  • All product descriptions, terms, and disclosures are presented in clear and understandable language.

  • Fees, interest rates, and risks are disclosed accurately, with no hidden conditions.

  • Marketing and advertising materials are designed to be honest, balanced, and complete, so you can make fully informed decisions.
     

If you have any questions or concerns about our disclosures or marketing practices, please contact us at (888) 465-1432.

State-Specific Disclosures


CMI Financial Group Ltd. operates in compliance with all state-specific licensing and regulatory requirements applicable to our lending and investment activities.
Examples include (but are not limited to):
 

  • Florida Office of Financial Regulation (OFR) licensing requirements.

  • California Department of Financial Protection and Innovation (DFPI) for consumer lending disclosures.

  • Texas Department of Savings and Mortgage Lending (SML) regulatory requirements.
     

Please note:

  • Certain products or services may not be available in all states.

  • Additional state-level disclosures may be provided in loan or investment documentation, as required by law.
     

For details about licensing or regulatory requirements in your state, or to verify the status of our licenses, please contact us at (888) 465-1432.

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