Security First Mortgage is committed to serving all borrowers equally, without regard to an individual's race, color, national origin, religion, sex, familial status or handicap. As such, it is Security First's policy to issue all conditional commitments (to originate a loan) without regard to a borrower's race, color, national origin, religion, sex, familial status or handicap.

With the goal of Fair Lending in mind, it is also our policy to promote Fair Lending practices to our entire customer base we must emphasize the critical nature of supporting sound Fair Lending practices.

Security First uses fair lending procedures that provide controls to determine and guard against originating loans that are in any way biased based on a borrower's race, color, national origin, religion, sex, familial status or handicap.

Bias is not restricted to merely whether or not a borrower receives a loan. Bias may also be demonstrated by analyzing rates and fees charged to borrowers of a specific group.

For your convenience, we have provided HUD's language on Fair Housing as it pertains to our industry: