Right to Ethical
All people should have the right to choose a competent, responsive, professional organization for help
with their financial matters. At Equity Atlas, we do more than uphold that right.
Our company is structured to ensure lower rates and fees for customers and above market-rate
compensation for employees, which has a positive impact on our homeowners and our community.
Right to Affordability
As a client, you have the right to know what affordability means for you. This means understanding
what an appropriately-sized loan is for you, with reasonable conditions, to ensure that any
long-term payments do not become a burden. For us, the affordability of all loans
obtained through Equity Atlas is serious business.
Right to Confidentiality
No one should have to worry about the integrity of a company with regard to their personal data.
At Equity Atlas, we believe the predatory practice of buying and selling an individual's "data" in any form or amount is
reprehensible. Equity Atlas will keep safe all client data we possess and will not sell it, share it
or use it for any purpose not directly related and critically important to your home loan process.
Right to Support
a Local Economy
You have a right to support your community through the choices you make.
We believe the same should be true for financial institutions. It is your right to have the
money you entrust to a local financial institution stay here to support your community.
Equity Atlas exists to offer our clients the ability to contribute directly to their
local economy by reinvesting 100% of our revenue at home.
Right to Financial Knowledge
The loan process is complex and confusing, with more lingo and acronyms than we care to admit.
You have a right to understand how the process functions and what is expected of you when you
sign on the dotted line. At Equity Atlas, we don't rush anyone into a decision. We're aware
that not everyone wants to understand every detail. But when you want to learn, we take the
time and make the effort to help you get there.
Right to Generative Partners
It is not enough to know that a company has its own ethical community policy.
You also need to know about the company they keep. At Equity Atlas, we uphold your right to
know who our partners are, to know who we support and who supports us. Meet and greet our
partners. We're sure they'll pass your litmus test with flying colors.
Right to Follow Your Money
The finance world is far from perfect. The entrenched corporate structure of the banking system
has made ethical, generative practices a challenge. You have a right to know to what extent your
loan contributes to wealth that goes beyond our local community, as well as your options for
keeping your money closer to home.
Rights & Requirements
As a borrower, you have the right to industry protections such as the
Mortgage Bankers Association general guidelines (
MBA Borrower's Bill of Rights
), the Federal
Requirements, and the
Truth-in-Lending Statement. Oversight of these protections is provided by the Consumer
Financial Protection Bureau
Atlas is fully engaged in identifying your rights and
protecting them. Your long term financial well-being is our company's standard.