Disclosures

Fair Housing Statement

BTB Realty Corporation is committed to the law.

All real estate and real estate activities advertised within this website are subject to Federal and State fair housing laws which help to create transparency and fairness for homebuyers in all areas of a real estate transaction. The Federal Fair Housing Act makes it illegal to advertise any preference, limitations, or discrimination based on race, color, religion, sex, handicap, familial status, or national origin, or intention to make any such preference, limitation or discrimination. All visitors to this website are hereby notified that all real estate and real estate activities advertised herein are available on an equal opportunity basis.

Civil Rights Acts

The federal Civil Rights Act of 1866 prohibits all racial discrimination in the sale or rental of property. The Civil Rights Act of 1968 expanded the definition of discrimination to include national origin, color, and religion. The Fair Housing Amendments Act of 1988 expanded the definition of discrimination further to include age, sex, and handicapped status.

Fair Housing Act

The federal Fair Housing Act of 1988 and Title VIII of the Civil Rights Act of 1968 together established the Fair Housing Act. The Act makes fair housing a national policy and prohibits discrimination in the sale, lease or rental of housing, or making housing otherwise unavailable because of race, color, religion, sex, disability, familial status or national origin.

Americans with Disabilities Act

Title III of the federal Americans with Disabilities Act prohibits discrimination against persons with disabilities in commercial facilities and places of public accommodation.

Equal Credit Opportunity Act

The federal Equal Credit Opportunity Act makes it unlawful to discriminate against anyone on a credit application due to race, color, religion, national origin, sex, marital status, age or because all or part of an applicant’s income comes from any public assistance program. Prospective home buyers, home sellers, real estate agents, mortgage brokers and loan officers all have rights and responsibilities under this law.

For Sellers

As a home seller or landlord, you are obligated not to discriminate in the sale, rental or financing of your property on the basis of race, color, religion, sex, disability, familial status or national origin. You also cannot do so through your licensed broker or salesperson, who is also bound by discrimination law. You may not set any discriminatory terms or conditions in a purchase contract or a lease. You may not deny that housing is available or advertise a property’s availability only to persons of a certain race, color, religion, sex, disability, familial status or national origin.

For Real Estate Professionals

Real Estate agents, mortgage brokers and loan officers in a real estate transaction may not discriminate on the basis of race, color, religion, sex, disability, familial status or national origin. They also may not follow such instructions from a home seller or landlord.

Contact the Authorities if you Feel the Law Has Been Violated

Discrimination complaints about housing may be filed with the nearest office of the U.S. Dept. of Housing and Urban Development (HUD) or by calling HUD’s toll-free numbers, 1-800-669-9777 (voice) or 1-800-543-8294 (TDD). Or contact HUD on the Internet at www.hud.gov.

 

Affiliated Business Arrangement Disclosure

This is to give you notice that BTB Realty Corporation (“BTB”) has a business relationship with Woodside Mortgage Corporation (“Woodside”), which provides mortgage broker services. While both Woodside and BTB are separate legal entities, the two companies share common ownership and the owners of a controlling or majority interest in BTB also own a controlling or majority interest in Woodside. Because of this relationship, the referral of business to Woodside Mortgage Corporation may provide BTB Realty Corporation with a financial or other benefit.

Set forth below is the estimated charge or range of charges for the settlement services listed. You are NOT required to use the listed provider(s) as a condition for the purchase or sale of the subject property, or to obtain access to any settlement service with respect to such property. THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATES FOR THESE SERVICES.

Entity:Description:Charge or Range of Charges:
Woodside Mortgage Corporation – Mortgage Broker*Lender Paid Compensation1.5% – 2.75% of loan amount (paid by lender, cannot be combined with borrower-paid compensation)
Borrower Paid Compensation1% – 2.75% of loan amount (paid by borrower, cannot be combined with lender-paid compensation)
Credit Report$18 – $125

*Actual charges may vary according to particular circumstances underlying the transaction. Rates may not be the lowest available and are subject to change.