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A A  Mortgage Corp.
is located in downtown Manchester, MO,
one block west of
Woods Mill Rd.

14346 Manchester Rd
in West County.

Return to the Rules and Disclosures Main Page

Rules Concerning Extension of Credit

Extension of Credit
A lender may not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status or any other prohibited basis.

Applicant's Name(s)
A lender may not refuse to allow an applicant to open or maintain an account in a birth-given first name and surname that is the applicant's birth-given surname, the spouse's surname or a combined surname.

Signature of Applicant's Spouse or Other Person:
In general, a lender may not require the signature of an applicant's spouse or other person, other than a joint applicant, on any credit instrument if the applicant qualifies under the lender's standards of creditworthiness for the amount and terms of the credit requested. If an individual applicant requests credit to be secured, the lender may require the signature of the applicant's spouse or other joint owner of the collateral on any instrument necessary or reasonably believed to be necessary under state law to make the property being offered as security available to satisfy the debt in the event of a default. In California, applicable state law requires all owners of personal property to sign in order to encumber the property. Therefore, the lender may request the non-applicant spouse or other parties to sign a security agreement or other instrument to secure a lien on the property, but not the promissory note. With transactions involving community real property, both spouses must sign the deed of trust in order for the lien to be perfected for the lender. Non-applicant spouse's signature should never be requested on the application or the promissory note.

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A A Mortgage Corp. is an Equal Housing Lender.
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