Supreme Court Archives

On Thursday, June 25, 2015, the U.S. Supreme Court ruled in favor of a civil rights group, determining that lending, zoning, sales, or rental practices would be considered discrimination if proven to have a disparate impact on racial minorities, whether that impact was intentional or not.

The 5-4 decision was the result of a case in which a Texas nonprofit, Inclusive Communities Project, Inc., sued the Texas Department of Housing for disproportionately awarding low-income housing tax credits to developers with properties in poor, minority dominated neighborhoods. The Inclusive Communities Project is an organization that seeks to place low-income tenants in wealthier Texas suburbs.

The case hinged on whether the Fair Housing Act allows for disparate impact claims. In a disparate impact claim, the plaintiff must only show evidence of the discriminatory effect of a practice, regardless of whether discriminatory intent was present. The Obama Administration issued new Housing and Urban Development Department rules in 2013 stating that the Fair Housing Act’s definition of discrimination covers disparate-impact situations.

This decision is expected to have wide-reaching effects on the lending, insurance, and other industries. More information about the Fair Housing Act can be found here. To read the full Supreme Court decision, click here.

CCPA Request

CPA FORM

First Name*
Last Name*
Address*
City*
State*
Zip*
Loan Number or last 4 digits of the Social Security Number*
Email*
Telephone Number*
Please re-enter the CAPTCHA code below

Contact Page

Name*
First Last
Email*
Phone Number*
Select what you are contacting us about:*
All FHA Case Transfer Requests must be sent in writing via email to: FHAINFO@nfmlending.com. The request must include the FHA Case number, the new lender’s Origination ID or Sponsor ID, the full subject property address, and a letter signed and dated by the borrower expressing desire for the transfer.
Request for payoff should be submitted to the current servicer of the loan:
If your loan is being serviced by the NFM Lake Zurich Servicing Center, please call 1-866-352-6802 to request a payoff. You can also request a payoff via the online borrower portal, if you are a registered user on the portal.
If your loan is being serviced by the NFM Lending Linthicum Maryland Office, you may submit the request to Servicing@nfmlending.com or call 1-866-765-1827.
Property Location
FHA Case Number*
New Lender's Originator ID*
Subject Property Address*
City*
State*
Zip*
New Borrower to subject property or Borrower and Property are the same?*
- New Borrower
- Same
Message
CAPTCHA
Email
This field is for validation purposes and should be left unchanged.

Contact Me

First Name*
Last Name*
Phone Number*
Email Address*
Property State*
Loan Purpose*
How did you hear about us?
First and last name of referral source (if applicable)
Please type the characters below
Consent
- I agree to receive SMS Text Messages at the above phone number from NFM Lending for follow up purposes for banking products. Message and data rates may apply. Message frequency varies. Text HELP for help. Text STOP to cancel.
Email
This field is for validation purposes and should be left unchanged.