Carmen Membreno

About Me

I am a mother of 4 and live with my husband and Children in Northern Virginia, I am an active member of my community and like to engage in the daily education of my children. I enjoy spending time with friends and family and enjoy traveling the world and experience different cultures. I am passionate about the things I do and invest my energy to do it best.

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City Lending, Inc. is a licensed mortgage company, with its main oce located at 8150 Leesburg Pike, Suite 405, Vienna, VA 22182. NMLS Unique Identifier #1045126. NMLS Consumer access is a free service for consumers to confirm that the financial-services company or professional with whom they wish to conduct business is authorized to conduct business in their state. © 2017 City Lending, Inc. All Rights Reserved.

Legal & Terms

Information We Collect

When you visit this site, we may collect certain types of information from you, such as information you voluntarily provide via forms, applications, etc. We may also collect information about you from your online browsing and transactions, including your preferences, pages visited, technical information regarding your computer and operating systems, such as your Internet Protocol (IP) address, domain name and system configuration and settings.

Cookies

‘Cookies’ are alphanumeric identifiers in the form of text files that are inserted and stored by your Web browser on your computer’s hard drive. City Lending, Inc. may set and access cookies on your computer to track and store identifying information about you. We also may gather information about you using cookie technology. For example, City Lending, Inc. may assign a cookie to you to limit the amount of times you see particular information. Please note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer. If you choose to eliminate cookies, the full functionality of the Service may be impaired for you. We encode our cookies so that only we can interpret the information stored in them.

Encryption

From the moment account information leaves your computer to the time it enters City Lending, Inc’s system, all online access is encrypted.
During any exchange of sensitive loan information or documents, our 128-bit encryption turns your information into a coded sequence with billions of possible variations, making it nearly impossible for unwanted intruders to decipher. City Lending, Inc. servers possess the formulas required ‘to turn this code back into meaningful information for processing.
Any Web address beginning with “https://…” indicates the page you are viewing uses encryption. The “s” stands for “secured.”

Constant surveillance

City Lending, Inc’s security team maintains and monitors our security systems to help ensure that your accounts are safe and secure.

Licence States

Disclosures And Licenses

City Lending, Inc Disclosures And License Information

City Lending, Inc. is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income
may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC,
20580.

City Lending, Inc State Disclosure Requirements

City Lending, Inc. is a licensed mortgage lender. *The following states require disclosure of licensing information.* (If your state is not listed, it doesn’t require a specific license disclosure):

California – Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. – License/Registration #: 41DBO-59133

Colorado, Mortgage Company Registration

Delaware – Lender License – License/Registration #: 30754

District of Columbia, Mortgage Dual Authority License – License/Registration #: MLB1045126

Florida, Mortgage Broker License – License/Registration #: MBR1935

Florida, Mortgage Lender License – License/Registration #: MLD1429

Illinois, Residential Mortgage License – License/Registration #: MB.6761423

Indiana-DFI, Mortgage Lending License – License/Registration #: 40795

Maryland, Mortgage Lender License – License/Registration #: 21056

Minnesota – Residential Mortgage Originator License – License/Registration #: MN-M-1045126

New Jersey, Residential Mortgage Lender License

New York – Mortgage Broker Registration – License/Registration #: RMB 208795

North Carolina – Mortgage Lender License – License/Registration #: L-190637

Pennsylvania, Mortgage Lender License – License/Registration #: 70432

Puerto Rico – Mortgage Lender/Servicer – License/Registration #: IH-245

South Carolina BFI – Mortgage Lender – License/Registration #: MLS-1045126

Tennessee, Mortgage License – License/Registration #: 164244

Texas – SML, Mortgage Banker Registration

Virginia, Broker License – License/Registration #: MC-5740

Virginia, Lender License – License/Registration #: MC-5740

Washington, Consumer Loan Company License – License/Registration #: CL-1045126

West Virginia, Mortgage Lender License – License/Registration #: ML-35709

West Virginia, Mortgage Broker License – License/Registration #: MB-35708

In Texas – CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 N.
LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT www.sml.texas.gov. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT www.sml.texas.gov.

If you have any further questions you may reach us at info@citylendinginc.com

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Licence States

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City Lending, Inc Disclosures And License Information

City Lending, Inc State Disclosure Requirements