Thank you for visiting us.
The following is a list of World Wide Web links we recommend for more information and pleasure.

We are proud to be members of the following organizations:  

To find out more about Fair Housing and
Equal Opportunity visit:

Effective Mortgage Company is a member of California Association of Mortgage Brokers     

Effective Mortgage Company is a member of National Association of Mortgage Brokers 

Effective Mortgage Company is a member of California Association of Mortgage Professional 

Under the Fair Credit Reporting Act (FCRA) you are entitled to a free credit report within 60 days of being denied credit, employment, insurance, or rental housing based on information in the report.

Effective Mortgage is an approved Federal Housing Authority (FHA) lender.

To get a good overview of your credit history, you should contact the three major credit bureaus--
Equifax, Experian, and Trans Union.

We have provided links which may have helpful information about other types of services or are just enjoyable!