DISCLOSURES
Equal Housing Opportunity Lender
We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, disability, familial status, or national origin:
In the sale or rental of housing
In advertising the sale or rental of housing
In the financing of housing
In the provision of real estate brokerage service
In the appraisal of housing
Blockbusting is also illegal
Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll-free), or 1-800-927-9275 (TDD), U.S. Department of Housing and Urban Development Assistant Secretary for Fair Housing and Equal Opportunity, Washington DC 20410.
Declaration of Fair Lending Principles and Practices
NKS Financial, Inc. is committed to providing extraordinary customer service by making customer satisfaction the top priority. We are also dedicated to delivering quality mortgage solutions that support you in opening doors to home ownership.
Social Responsibility / Community Involvement
We are committed to increasing affordable housing opportunities and addressing obstacles that face today’s homebuyers, by providing products and programs that help bring homeownership to those in our communities. We also make contributions to local community causes with an emphasis on those nonprofits selected by our clients.
Fair Lending Advancement
NKS Financial, Inc. is committed to the principle of providing access to mortgage credit for all people, regardless of race, color, religion, national origin, age (provided the applicant has the capacity to enter into a binding contract), sex, disability, familial or marital status, the exercise of any right under the Consumer Credit Protection Act or the fact that all or part of the applicant’s income derives from any public assistance program, and regardless of where the applicant resides, will reside, or where the residential property to be mortgaged is located.
It is NKS Financial Inc.’s policy and expectation that every loan applicant will first be considered for conforming to conventional loan programs or government loan programs, where available unless the applicant requests consideration of other programs. In addition, an alternative loan product may be offered or recommended based upon the applicant’s credit history and the interest rate desired, as well as the terms and conditions of the loan.
NKS Financial, Inc. is committed to maintaining a work environment that is free from discrimination and encourages fair lending.
Fair Lending Housing Initiatives & Community Involvement
In order to promote homeownership, lenders must reach out to members of the communities they serve with information about the home buying process. In this regard, NKS Financial, Inc.:
Seeks to develop productive relationships, including participation in housing fairs with non-profit housing groups, counseling organizations, and other community organizations.
Conducts and participates in seminars for consumers, real estate brokers, mortgage brokers, and other individuals and organizations in order to increase homeownership opportunities.
Participates when economically feasible in public and private affordable housing and loan guarantee programs, such as those offered by the Federal Housing Administration (FHA) and State Housing Finance Agencies, in order to increase market share among underserved populations.
Assists in the development and promotion of affordable housing loan programs and products.
Patriot Disclosure Act
To help prevent fraud and to assist the government in fighting the funding of terrorism and money laundering activities, we are obtaining, verifying, and recording information that identifies each person who obtains a mortgage loan with us.
What this means for you: When you obtain a mortgage loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
State Specific Information/Disclosure
NKS Financial, Inc. is licensed to operate in California and Oregon.
The California Department of Real Estate website is: www.dre.ca.gov.
The Oregon Division of Financial Regulation website is: www.dfr.oregon.gov.
Last updated: January 21, 2026.