The Right Home Code of Ethics

As a member, we strictly adhere to the California Association of Mortgage Brokers "Code of Ethics."

PREAMBLE

CODE OF ETHICS

CALIFORNIA ASSOCIATION OF MORTGAGE BROKERS

We, the members of the California Association of Mortgage Brokers, pledge to maintain and to improve the standards of our profession. We are dedicated to conducting business in a fair, competent, and truthful manner and no inducement of profit nor influence from others can ever justify departure from the standards set forth herein.

We acknowledge the profound impact, which our conduct has upon our clients’ welfare. We accept responsibility for the fact that our clients rely on the accuracy and honesty of our guidance in the disposition of assets, which may represent a major portion of their lifetime savings. Beyond this, we see that in providing the finest service attainable, we will earn the confidence and trust that we as mortgage brokers value. Not only do we hold our association’s reputation for integrity and honor in high esteem, but we further pledge to protect and enhance it.

Recognizing the value of our continuing quest for excellence, we willingly agree to share our experience and knowledge among ourselves for the enhancement of our association, our profession, and ultimately for the benefit of the public at large.

Because we take pride in our work and its results, we pledge to abide by and to conduct our business by the principles set forth in the Code of Ethics.

While the Code of Ethics establishes obligations that may be higher than those mandated by law, in any instance where the Code of Ethics and the law conflict, the obligations of the law must take precedence.

CALIFORNIA ASSOCIATION OF MORTGAGE BROKERS

CODE OF ETHICS

HONESTY AND INTEGRITY. CAMB Members shall conduct business in a manner reflecting honesty, honor, and integrity.

PROFESSIONAL CONDUCT. CAMB Members shall behave in a dignified and professional manner in all of their business activities.

ONGOING EDUCATION. CAMB Members shall participate in a program of ongoing education on matters effecting the Mortgage Brokerage industry.

SHARING OF INFORMATION. CAMB Members shall share with their fellow members their knowledge and their expertise of our industry and shall respond positively to the desire of others to learn from them.

SUPPORT LEGISLATION. CAMB Members shall support legislation in their community, state, and nation that will encourage the success of ethical Mortgage Brokers.

TRUTHFUL COMMUNICATION. CAMB Members shall be truthful in all communications and representations to clients, investors, lenders, and all parties to the loan transaction.

TRUTHFUL DISCLOSURES. CAMB Members shall provide full and truthful disclosures as directed by the regulatory agencies.

TRUTHFUL ADVERTISING. CAMB Members shall be truthful and accurate in all advertising and solicitations.

COMPLIANCE WITH LAW. CAMB Members shall comply with the laws and regulations of all State or Federal agencies that regulate the practice of the Mortgage Broker industry.

HONOR AGREEMENTS. CAMB Members shall attempt to put all agreements into written form but shall abide by agreements they have made whether written or oral.

FAIR LENDING. CAMB Members shall, in the selection of clients or employees, not discriminate on the basis of race, color, national origin, religion, marital status, sex, physical characteristics, or age.

PRIVILEGED INFORMATION. CAMB Members shall treat all client information of a personal or financial nature as private and privileged.

PROMOTING COMPLIANCE. CAMB Members shall report fraudulent and unethical practices to the Association.

DISPUTES and RESOLUTIONS. CAMB Members shall participate in the CAMB approved mediation process and abide by any agreed upon settlement.