Best Business Practices Guidelines The "Best Business Practices" are a significant addition to the stringent NAMB ethical code. These guidelines go far beyond any legal requirements to continue to build on the high level of trust we have earned from our consumers.    Homebuyers are encouraged to look for adherence to these principals as important selection criteria when choosing a mortgage broker. The "Best Business Practice Guidelines" are as follows: Concord Mortgage, a member of the National Association of Mortgage Brokers, and Concord Mortgage, a properly licensed/authorized entity, adheres to the Code of Ethics of NAMB and of my affiliated state association. Furthermore, as a requirement of NAMB membership, I hereby subscribe Concord Mortgage and its employees to the following "Best Business Practices Guidelines." We will… Disclose accurate information in all solicitations and advertising; Discus and explain financing program options; Inform you, in writing, of lock-in options; Explain all documents of the loan application; Explain all associated costs of the loan application; Explain the disbursement of all loan applications; Explain the loan process, from application to closing; Charge only those fees which are disclosed or re-disclosed on your good faith estimate; Charge rates and fees that do not vary based on race, color, religion, natural origin, gender, marital status, age, receipt of income from public assistance programs, or good faith exercise of rights under consumer finance laws; Communicate with you throughout the loan process in a timely manner; Commit to be your financing resource before, during, and after your transaction.