Disclosures and licensing information

This page collects the important notices that apply to Federal First Lending LLC (NMLS #2381991), doing business as Sunset Home Lending, and to Bethany Sanchez (NMLS #2425491), and it explains how to verify our licenses or raise a concern. It supplements, and does not replace, the disclosures you will receive when you apply for a loan.

What this website is, and what it is not

This website provides general information about mortgage loans and the home buying and financing process. It is intended for educational purposes. Nothing on this website is a commitment to lend, an offer to extend credit, a loan approval or an advertisement of specific loan terms. A pre-approval, whether discussed on this website or offered separately, is not a loan approval or a commitment to lend. All loans are subject to credit approval, underwriting guidelines, property eligibility and valuation, and verification of the information you provide. Not all applicants will qualify.

Programs, rates, fees, terms and guidelines may change without notice. Descriptions of loan programs reflect general guidelines at the time of publication, and your eligibility and terms will depend on your individual circumstances and the lender’s requirements. Always review the disclosures you receive when you apply, including the Loan Estimate and the Closing Disclosure, and compare offers from more than one lender.

Rates, APRs and examples

Except for the HELOC and home equity quick quote, this website does not publish interest rates or annual percentage rates (APRs). The quick quote shows estimated rates, APRs and payments calculated from the details you enter, together with the assumptions, fees and disclosures that apply. Those estimates are not a Loan Estimate, a rate lock or a commitment to lend, and they can change daily. Where other examples appear on this site, they are for illustration only. Percentages and dollar amounts in guides are general program guidelines, not quotes, and any advertisement that states a rate, APR, payment or down payment figure includes the information required by the Truth in Lending Act and Regulation Z.

Wholesale mortgage broker

Federal First Lending LLC operates as a wholesale mortgage broker. It arranges loans with third-party wholesale lenders, and the lender that makes your loan will be identified in your loan disclosures. Statements that Sunset Home Lending can compare options from more than 200 wholesale lenders describe the lenders available to the company; not every lender offers every program, and availability varies by state and scenario. Sunset Home Lending does not guarantee that it can offer better terms than any other lender.

Equal Housing Opportunity

Sunset Home Lending is committed to the principles of fair housing and equal credit opportunity. We do business in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex (including gender identity and sexual orientation), familial status, disability, age (provided the applicant has the capacity to enter into a binding contract), receipt of income from public assistance programs, or the exercise of rights under the Consumer Credit Protection Act. We encourage everyone to apply for the financing that suits them.

If you believe you have experienced housing discrimination, you may contact the U.S. Department of Housing and Urban Development or your state or local fair housing agency.

Licensing and NMLS information

The Nationwide Multistate Licensing System and Registry (NMLS) is the national database for licensed mortgage professionals. You can look up Bethany Sanchez and Sunset Home Lending on NMLS Consumer Access by searching for NMLS #2425491 (loan officer) or NMLS #2381991 (company). The site shows where we are authorized to conduct business and discloses certain regulatory actions.

We can offer loans only in the states where we hold the required license or authorization, and not every loan program is available in every state. The table in the company disclosures section below lists the states and license numbers.

Government and agency references

This website discusses loan programs backed, insured, guaranteed or sponsored by organizations such as the Federal Housing Administration (FHA), the U.S. Department of Veterans Affairs (VA), the U.S. Department of Agriculture (USDA), Fannie Mae and Freddie Mac. Sunset Home Lending is a private company. It is not a government agency and is not affiliated with or endorsed by those organizations, and we use their names only to describe the programs. Program names are the property of their owners.

Real estate professionals and RESPA

We do not give or accept anything of value in exchange for referrals of settlement service business, and consumers are free to choose any lender or settlement service provider. We follow the Real Estate Settlement Procedures Act (RESPA) and its implementing rule, Regulation X. Sunset Home Lending does not have any affiliated business arrangements with real estate brokerages, title or escrow companies or other settlement service providers.

Information about third-party links

This website links to resources operated by others, including government agencies and community organizations. We link to them because we believe they are helpful, but we do not control their content and are not responsible for it. A link does not mean that the organization endorses us or that we endorse them.

Testimonials and reviews

This website links to Sunset Home Lending‘s reviews on Google. Those reviews are written by customers on Google’s platform; Sunset Home Lending does not edit them, and individual experiences may not be typical. Sunset Home Lending does not publish fabricated reviews or pay for positive reviews. If reviews or testimonials are ever displayed on this site, they will be real, shown in context, and accompanied by any required disclosures.

Electronic communications

When you send a form, Sunset Home Lending contacts you about your request by email or a regular phone call. Calls and text messages that use automated technology are sent only if you checked the optional call and text box; the full program terms are on the terms page. You can opt out at any time by replying STOP, using the opt-out form or calling (760) 713-3814. Loan disclosures are delivered electronically only after you consent to electronic delivery and signatures in the secure application portal, as the E-SIGN Act requires.

Accessibility statement

Sunset Home Lending is committed to making this website usable by everyone, including people who use assistive technology. We design and test the site to meet the Web Content Accessibility Guidelines (WCAG) 2.1, Level AA, and we continue to improve it. If you have trouble using any part of this website, or you need information in another format, please contact us at (760) 713-3814 or bsanchez@federalfirstlending.com, and we will work with you to provide it. Please tell us the page address and the assistive technology you use so we can resolve the issue.

How to file a complaint

We want to hear from you if something is wrong. Please contact us first at (760) 713-3814 or bsanchez@federalfirstlending.com so we can try to resolve it. You also have the right to contact your state’s financial regulator, which licenses and supervises mortgage companies and loan officers, or to submit a complaint to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.

Changes to these disclosures

We update this page when laws, our licenses or our practices change. The date at the top of the page shows when it was last reviewed. If you have questions about any disclosure, contact us and we will help.