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Zanzeke Legal Disclosures


Any reference herein to "Zanzeke" shall also include "Zanzeke, Zanzeke Financial and" if not already stated.
All loans are subject to credit approval. Rates and fees are subject to change without notice. Equal Housing Lender. © 2015-2018 Zanzeke
Website Privacy Policy
Zanzeke and uses an Online Privacy Policy for information submitted to Zanzeke, Zanzeke Financial and through the Web Site.
Terms and Condition
To review the Zanzeke Terms and Conditions, click here.
Patriot Act
In accordance with Section 326 of the USA PATRIOT Act of 2001, Zanzeke is required to obtain a copy of the
documents used in identifying new account customers. This notice is being provided to you for adequate notice given under
this act.
When emailing your Zanzeke contacts, please be mindful the security settings from which you are transmitting this
information. While information we share via email within our organization is guarded and secure, messages emailed in from
outside providers cannot be guaranteed. When communicating with your Zanzeke contacts, please be sure only to send
confidential information (account numbers, social security numbers, etc…) from secure email services. If you are not sure
of the security settings of your email, it is often safer to provide confidential information via the postal system, by
calling or through visiting the office location.
Home Mortgage Disclosure Act
Enacted by Congress in 1975, the Home Mortgage Disclosure Act legislates the reporting of loan data by lending
institutions. This includes geographic distribution of loans and applications; ethnicity, race, sex, and income of
applicants and borrowers; and information about loan approvals and denials. This data is reported by the lending
institutions on the first of March for loans and applications of the previous calendar year. If requested, lenders need to
have the information available within 30 days of the request but not earlier than March 31st.
The Federal Equal Credit Opportunity Act
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the bases of
race, color, religion, national origin, sex, marital status, age (providing the applicant has the capacity to enter into a
binding contract); because all or part of the applicants income derives from any public assistance program; or, because the
applicant has in good faith exercised any right under the Consumer Credit Protection Act.
Equal Housing Opportunity
The Fair Housing Act prohibits discrimination in housing because of: Race or Color, National Origin, Religion, Sex,
Familial status (including children under the age of 18 living with parents or legal custodians; pregnant women and people
securing custody of children under 18) or Disability.








In Regard to Mortgage Lending:
No one may take any of the following actions based on race, color, national origin, religion, sex, familial status or
> Refuse to make a mortgage loan.
> Discriminate in appraising property.
> Refuse to provide information regarding loans.
> Refuse to purchase a loan or set different terms or conditions for purchasing a loan.
> Impose different terms or conditions on a loan, such as different interest rates, points or fees.
NMLS Information
To access the NMLS Website, please click the following link: (1)
National Licensing Information
State of Texas: Gatlin, Ryan Chad dba Zanzeke | SML Mortgage Banker Registration, NMLS 1417289, 508 Santa Barbara Drive | Keller, Texas 76248
Mailing address: PO Box 185 | Keller, Texas 76244 | (817) 755-0880





Have a question or concern pertaining to Legal Information?
   Call: (817) 755-0880

   Electronic Mail:

   Write:    Zanzeke Financial
                Legal Information
                PO Box 185
                Keller, Texas 76244-80322
(1) Third Party Web Site
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Revision: September 14, 2018
Copyright © 2015-2018 Zanzeke All rights reserved.
Zanzeke Financial, PO Box 185, Keller, Texas 76244, USA.
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