Home Mortgage

FRB: Understanding the Home Mortgage Process Understanding the Process and Your Right to Fair Lending Shop for the mortgage package that best meets your financial needs. If you apply for a mortgage and the lender says you don't qualify, keep in mind that some lenders have stricter credit standards than others. Try someone else. Don't stop shopping after one discouraging experience--or even several. "Just Right!" You’ve been looking at houses for months and months, and you have finally found it--the house that’s just right. Now, you’re anxious to buy your new home, move in, and get settled. But you still have an important task ahead of you--getting a mortgage loan. This brochure explains about dealing with mortgage lenders. It tells you where to look, what to look for, and what takes place when you apply for a mortgage. Knowing what to expect, especially if you are a first-time homebuyer, may make it easier for you to get through the process. You’ll also learn about your legal rights to fair lending and what you have a right to expect in fair treatment. The Fair Housing Act and the Equal Credit Opportunity Act make it unlawful for a lender to decide whether you qualify for a loan, or to offer less favorable terms, for reasons such as your race, national origin or sex and other prohibited factors. If you believe you have been unlawfully discriminated against by a lender, or have questions about the treatment you have received, this brochure also tells you where to file a complaint. Where to Shop and What to Look For The Mortgage Application Process Understanding Your Rights to Fair Lending Directory of Federal Agencies Home | Brochures Accessibility To comment on this site, please fill out our feedback form. Last update: June 21, 2001

Real Estate Broker

Home Loan Bank of

Federal Home Loan Bank of Dallas W e are a cooperatively owned wholesale bank that supports housing and economic development in the communities served by our member institutions in Arkansas, Louisiana, Mississippi, New Mexico, and Texas. Our credit products and other financial services help members deliver financial products to fund housing, small business, rural development and agriculture. Specialized community investment and affordable housing loan and grant programs help finance community redevelopment and expand affordable housing opportunities. Members include commercial banks, savings institutions, credit unions and insurance companies. In The News • Community Investment Program Update • Bulletin 2005-14 Dividend for Fourth Quarter 2005 • Disaster Relief Advances for Texas Counties Affected By Fire • Advisory Council Appointments • Disaster Relief Grant Program • Disaster Relief Advances Available for Louisiana, New Mexico, Mississippi and Texas Quick Links • Investor Relations • Guides & Forms Send comments, questions, and suggestions to fhlb@fhlb.com . © 2005 Federal Home Loan Bank of Dallas. All Rights Reserved. FHLB Dallas website information disclaimer . The material on this site is for informational purposes only. By moving to the next screen, all viewers acknowledge that the presentation of this material (i) does not represent investment advice, (ii) does not constitute an offer to extend credit, a grant or subsidy, and (iii) does not constitute investment solicitation or an offer to buy securities. It is the sole responsibility of the user to check the accuracy of assumptions or other information contained on this site. VIEW FEDERAL HOME LOAN BANK OF DALLAS - World Wide Web (www.fhlb.com) PRIVACY and SECURITY DOCTRINE

Real Estate Broker

Home Equity Associate Members.

CBA Home Equity Lending Conference Home Equity Lending Conference September 18 - 21, 2005 NEW LOCATION: JW Marriott Desert Ridge Resort & Spa Phoenix, AZ Hotel reservations already completed are being transferred from the Sheraton New Orleans to the JW Marriott. Reservations can be confirmed by calling 1-800-898-4527 . who should attend Product Managers Product Development Managers Marketing Professionals Product Delivery Specialists Retail Banking Officers Credit Risk Officers Consumer Credit Officers Compliance Officers Technology Professionals membership policy Attendance at this conference is open to CBA Corporate, Holding Company Affiliate, National Associate, or Home Equity Associate Members. Exhibiting and sponsorship opportunities are open ONLY to Corporate, National Associate, or Home Equity Associate Members. *Non-members may attend this conference, but must be federally-insured banking institutions. If you would like to become a CBA member, please click here or call the Membership Department at 703-276-3878. Conference Exhibit & Sponsorship Opportunities Conference Brochure overview Home equity loans comprise one of the core consumer loan products for most financial institutions, but competition is continually changing the landscape and profit outlook. Our conference provides home equity professionals with both strategic insight and practical solutions to such pressing issues as the integration of market segments, partnerships and alliances, value-added uses of technology, and creating customer value. financial institutions in attendance in past years 3S/RealServ ABN AMRO Accudata Search AEACU AMCO AMS AmSouth Bank APPRO Systems, Inc. ARGO Data Resource Corporation Arvest Bank Associated Bank ATM Corporation of America Bank of America Bank of Hawaii Bank of New York, Delaware Bank of Stockton Bank of The West Bank One Bankers Systems, Inc. Banknorth, N.A. Banton Technologies Basis100 BB&T BenchMark Consulting International C & S Marketing CEFCU Centex Home Equity Charles Schwab Bank Charter One Bank Chase Home Finance Chevy Chase Bank CIBC Citibank Citigroup Citizens Bank Cohane Rafferty Comerica Bank Commerce Bank, N.A." Commercial Federal Bank Community Bank of Florida Compass Bank Comptroller of the Currency Consumer Marketing Services Counselor Library.com LLC/Hudson Cook LLP Countrywide, FSC Credit Lenders Service Agency, Inc. Data Search DataQuick Decisions Strategies International Discover Financial Services, Inc. Document Assistance Company Dorado Corporation E*Trade Bank Eastern Bank Exchange Bank Exchange National Bank Express Financial Services Farmers First Bank Federal Flood Certification Corporation Fifth Third Bank Financial Marketing Systems First American Bank First American CMSI First American Equity Loan Services, Inc. First Citizens Bank First Federal Savings & Loan Association of Bucks County First Horizon Equity Lending First Interstate Bank First Niagara Bank First Tennessee Bank, N.A." FleetBoston Financial Corporation FNC, Inc. FNIS Market Intelligence Fort Knox National Bank Frost National Bank GB Home Equity, LLC General American Corporation Geotrac Goodwin Procter LLP Group9, Inc. Guaranty Bank, FSB Harris Bank Hibernia National Bank Household HSBC Mortgage Corporation USA Hudson United Bancorp Hughes, Watters & Askanase, LLP Huntington National Bank IndyMac Bank Informa Research Services, Inc. Integra Bank Integrated Loan Services JPMorganChase KeyBank National Association LandAmerica OneStop Lehman Bank LendingTree LoanPerformance LoanPro, LLC London Bridge Group M & T Bank Mortgage Information Services, Inc. Mortgage Lenders Network, USA National City Bank National Equity Services North Shore Bank Old Republic Insured Credit Services, Inc. Optima Information Solutions Outsource Financial Services, LLC PeirsonPatterson, LLP Placer Sierra Bank PNC Bank PNC Consumer Sevices Principal Bank Proctor Financial Insurance Corporation Provident Bank RBC Centura Bank realinfo.com Regions Financial Corporation Republic Bank Riggs Bank, N.A. Riverside National Bank Self Help Credit Union Sharper Lending Shaw Systems & Associates Sky Bank SouthTrust Bank Southwest Bank of Texas Southwest Financial Services, Ltd. Sovereign Bank Standard & Poors Stewart Mortgage Information Stock Yards Bank SunTrust Banks, Inc. Synergistics Research Corporation Technology Credit Union TransUnion Trustmark U.S. Bank U.S. Recordings, Inc. Union Bank of California Union Federal Bank Union Planters Bank United Bank United Guaranty UnitedTrust Bank Urban Settlement Services, LLC USAA Federal Savings Bank Venture Encoding Service, Inc. Volkswagen Bank USA Wachovia Corporation Washington Federal Savings Bank Washington Mutual Webster Bank Wells Fargo Bank Zions fees & registration deadlines CBA Member Non-Member Pre-registered $1,245 $1,545 On-site $1,345 $1,645 Spouse/Guest Fee $ 1 9 5 $ 1 9 5 *registration fee includes three continental breakfasts, two luncheons, three cocktail receptions, and refreshment breaks. hotel accommodations Hotel reservations already completed are in the process of being transferred from the Sheraton New Orleans to the JW Marriott. As soon as this is completed, an 800 number will be provided on this site to allow confirmation of reservations. Please wait until that number is available to confirm.