Code of Conduct

Our Commitment

At Hillmont Lending, we are committed to maintaining the highest standards of professional conduct, integrity, and ethical behavior in all aspects of our business. This Code of Conduct outlines the principles and expectations that guide our interactions with clients, lenders, partners, and each other.

Core Values

Integrity

We conduct our business with honesty, transparency, and accountability. We are truthful in all communications and dealings, and we honor our commitments to clients and partners.

Professionalism

We maintain the highest standards of professional conduct in all interactions. We treat everyone with respect, courtesy, and dignity, regardless of their position or background.

Client-Focused Service

Our clients' interests come first. We are dedicated to understanding their unique needs and providing tailored solutions that help them achieve their financial goals.

Excellence

We strive for excellence in everything we do. We continuously improve our knowledge, skills, and services to deliver the best possible outcomes for our clients.

Professional Standards

Compliance with Laws and Regulations

We comply with all applicable federal, state, and local laws and regulations governing commercial real estate lending and brokerage activities. This includes:

• Fair lending practices and anti-discrimination laws
• Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA)
• Anti-money laundering (AML) and Know Your Customer (KYC) requirements
• Privacy laws and data protection regulations
• Real estate licensing and brokerage regulations

Confidentiality

We protect the confidentiality of all client information and proprietary business data. We do not disclose sensitive information to unauthorized parties and maintain secure systems to safeguard data.

Conflicts of Interest

We identify and disclose any potential conflicts of interest that may arise in our business relationships. We take appropriate steps to manage or eliminate conflicts to ensure fair and unbiased service to all clients.

Accurate Representation

We provide accurate, complete, and timely information to clients, lenders, and partners. We do not misrepresent facts, omit material information, or engage in deceptive practices.

Client Relationships

Fair Treatment

We treat all clients fairly and equitably, without discrimination based on race, color, religion, national origin, sex, disability, familial status, age, or any other protected characteristic.

Transparent Communication

We communicate clearly and transparently with clients about:

• Loan terms, conditions, and costs
• Our role as a broker and our compensation structure
• The loan application and approval process
• Potential risks and alternatives
• Timeline expectations and any delays

Responsible Lending Practices

We promote responsible lending by:

• Assessing clients' ability to repay loans
• Recommending loan products that align with clients' financial situations and goals
• Discouraging over-leveraging or unsuitable financing arrangements
• Providing clear explanations of loan terms and obligations

Lender and Partner Relationships

Fair Dealing

We maintain fair and professional relationships with all lenders and partners in our network. We do not engage in practices that unfairly favor one lender over another or that compromise the integrity of the lending process.

Accurate Information

We provide accurate and complete information to lenders regarding loan applications, property details, and borrower qualifications. We do not misrepresent or falsify information.

Timely Communication

We maintain timely and professional communication with lenders and partners throughout the loan process, keeping all parties informed of progress, issues, and changes.

Workplace Conduct

Respectful Environment

We foster a respectful, inclusive, and professional work environment. We do not tolerate harassment, discrimination, bullying, or any form of disrespectful behavior.

Collaboration and Teamwork

We work collaboratively as a team, supporting each other and sharing knowledge to achieve common goals and deliver exceptional service to clients.

Professional Development

We are committed to continuous learning and professional development. We stay informed about industry trends, regulations, and best practices to better serve our clients.

Prohibited Conduct

The following behaviors are strictly prohibited:

• Fraud, misrepresentation, or deceptive practices
• Discrimination or harassment of any kind
• Conflicts of interest that are not properly disclosed and managed
• Unauthorized disclosure of confidential information
• Acceptance of bribes, kickbacks, or improper payments
• Violation of laws, regulations, or company policies
• Misuse of company resources or assets
• Retaliation against individuals who report violations

Reporting Violations

We encourage all employees, clients, and partners to report any suspected violations of this Code of Conduct. Reports can be made:

• Directly to management or compliance personnel
• Through our confidential reporting hotline
• Via email to Info@HillmontLending.com

We take all reports seriously and investigate them promptly and thoroughly. We do not tolerate retaliation against anyone who reports a concern in good faith.

Consequences of Violations

Violations of this Code of Conduct may result in disciplinary action, up to and including termination of employment or business relationships. Serious violations may also be reported to appropriate legal authorities.

Commitment to Excellence

This Code of Conduct reflects our commitment to operating with integrity, professionalism, and respect for all stakeholders. By adhering to these principles, we build trust, maintain our reputation, and create lasting value for our clients and partners.

Contact Us

If you have any questions about this Code of Conduct or wish to report a concern, please contact us:

Acknowledgment

By working with Hillmont Lending, you acknowledge that you have read, understood, and agree to abide by this Code of Conduct.