Fair Housing and Equal Housing Opportunity Notice

Equal Housing Opportunity Statement

Marcus Naulin ("we," "us," or "our") is fully committed to the letter and spirit of United States policy for the achievement of equal housing opportunity throughout the nation. We do business in accordance with the Fair Housing Act, the Equal Credit Opportunity Act, and all applicable federal, state, and local fair-housing and fair-lending laws.

EQUAL HOUSING OPPORTUNITY. We do not discriminate against any person because of race, color, religion, sex (including gender, gender identity, gender expression, sexual orientation, and pregnancy), familial status, national origin, ancestry, disability, age, source of income, marital status, military or veteran status, citizenship or immigration status, primary language, genetic information, medical condition, hairstyle or hair texture, or any other classification protected under applicable law.

Federal Authorities

• Fair Housing Act, 42 U.S.C. §§ 3601 et seq., and HUD regulations at 24 C.F.R. Parts 100–115.
• Equal Credit Opportunity Act, 15 U.S.C. § 1691, and Regulation B, 12 C.F.R. Part 1002.
• Civil Rights Act of 1866, 42 U.S.C. § 1981.
• Civil Rights Act of 1964, Title VI, 42 U.S.C. § 2000d.
• Americans with Disabilities Act, 42 U.S.C. § 12101.
• HMDA, 12 U.S.C. § 2801.

California Authorities

• California Fair Employment and Housing Act ("FEHA"), Cal. Gov. Code § 12955.
• Unruh Civil Rights Act, Cal. Civ. Code § 51.
• Holden Act, Cal. Health & Safety Code § 35800 et seq.
• Cal. Bus. & Prof. Code § 10177(l) (real-estate license fair housing).

Multi-State Coverage

For activity outside California, we comply with the corresponding state and municipal fair-housing and fair-lending statutes, including but not limited to: Arizona Civil Rights Act, Texas Fair Housing Act, Florida Fair Housing Act, New York State Human Rights Law and New York City Human Rights Law, Illinois Human Rights Act, Massachusetts Anti-Discrimination Law (M.G.L. c. 151B), Pennsylvania Human Relations Act, Washington Law Against Discrimination, Oregon Fair Housing Act, Colorado Fair Housing Act, Nevada Fair Housing Law, Hawaii Fair Employment Practices, and similar laws in other states. Where state or local law affords broader protection than federal law, the broader protection controls.

Reasonable Accommodation and Modification

If you have a disability and require a reasonable accommodation in our processes or a reasonable modification to a property under your contract, contact us at contact@marcusnaulin.com or (805) 377-5626. Reasonable accommodation includes, where applicable: accepting a service animal, modifying a policy or procedure to permit access, allowing applications by an authorized representative, providing alternative formats of disclosures, or extending response timelines where consistent with regulatory deadlines.

How to File a Fair Housing Complaint

If you believe you have been discriminated against by us or any housing or lending professional, you may file a complaint with:

• U.S. Department of Housing and Urban Development ("HUD") Office of Fair Housing and Equal Opportunity, 1-800-669-9777, TTY 1-800-927-9275, hud.gov/fairhousing;
• California Civil Rights Department (formerly DFEH), 1-800-884-1684, calcivilrights.ca.gov;
• Consumer Financial Protection Bureau, 1-855-411-2372, consumerfinance.gov;
• Federal Trade Commission, 1-877-382-4357, reportfraud.ftc.gov;
• Your state attorney general or local fair-housing council.

ECOA Notice

The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Ave NW, Washington, DC 20580.

Disclosure on Marketing Materials

All marketing materials prominently display the Equal Housing Opportunity logo and the NMLS license number. The presence of the Equal Housing Opportunity emblem reflects our commitment to equal access in lending and brokerage.

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