Consumer Grievance Policy

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Jennifer Chicano | Your Loan Chic is committed to providing professional, responsive mortgage services and addressing consumer concerns promptly and fairly.

This Consumer Grievance Policy explains how to submit a concern or complaint regarding your experience with Jennifer Chicano or mortgage-related services provided through Zero Point Mortgage Services.

If you have a question, concern, or complaint, you are encouraged to contact me directly so I have an opportunity to review and address the matter.

Jennifer Chicano | Your Loan Chic
Email: jenn@yourloanchic.com
Phone: 720-594-2626
Mailing Address: 5200 DTC Parkway, Suite 300, Greenwood Village, CO 80111
NMLS #1194079

When submitting a complaint, please provide enough information to allow the matter to be reviewed, including your name, preferred contact information, a description of your concern, and any relevant loan or transaction information.

Please do not send highly sensitive information, such as Social Security numbers, passwords, or complete financial account numbers, through unsecured email.

Jennifer Chicano is a licensed Mortgage Loan Originator sponsored by:

Zero Point Mortgage Services
NMLS #1216108

Your Loan Chic is Jennifer Chicano's consumer-facing brand. Mortgage origination services are provided through Zero Point Mortgage Services.

Complaints involving a mortgage application, loan transaction, company policy, regulatory requirement, or other matter within the responsibility of Zero Point Mortgage Services may be referred or escalated to ZPM for review and response.

Consumers may also contact Zero Point Mortgage Services regarding a mortgage-related complaint at info@zpmloans.com.

Your Loan Chic does not replace the regulatory, compliance, or complaint-handling responsibilities of Zero Point Mortgage Services.

Concerns received directly by Jennifer Chicano will be reviewed in a professional and timely manner.

Depending on the nature of the complaint, additional information or documentation may be requested.

When a complaint concerns a matter within the responsibility or control of Zero Point Mortgage Services, a lender, service provider, or another party involved in the mortgage transaction, the complaint may be referred to the appropriate party for review.

Every reasonable effort will be made to understand and appropriately address consumer concerns. However, nothing in this policy guarantees a particular outcome or resolution.

Consumers have the right to contact an applicable state or federal regulatory agency regarding a mortgage-related complaint.

You are not required to contact Jennifer Chicano, Your Loan Chic, or Zero Point Mortgage Services first before contacting an applicable regulatory authority.

Mortgage Loan Originators and mortgage companies are subject to oversight by regulatory authorities in the jurisdictions in which they conduct licensed activity.

Nothing in this Consumer Grievance Policy limits or restricts a consumer's right to submit a complaint directly to an applicable regulatory agency.

If your concern involves information appearing on a consumer credit report, you may have rights under applicable federal and state consumer reporting laws to review and dispute inaccurate information directly with the applicable consumer reporting agency or credit bureau.

The appropriate contact information and dispute procedures are generally provided with your credit report.

Jennifer Chicano | Your Loan Chic does not control the investigation or resolution procedures of independent consumer reporting agencies or credit bureaus.

A consumer will not be denied respectful treatment because they raise a good-faith concern or complaint or exercise their right to contact an applicable regulatory authority.

Personal information submitted in connection with a complaint will be handled in accordance with applicable privacy requirements and the Your Loan Chic Privacy Policy.

Information may be shared with Zero Point Mortgage Services, regulators, lenders, service providers, professional advisers, or other appropriate parties when reasonably necessary to investigate, respond to, document, or resolve a complaint or comply with legal or regulatory obligations.

Complaint-related records may be maintained as required or appropriate for business, compliance, licensing, legal, or regulatory purposes.

Jennifer Chicano will cooperate with Zero Point Mortgage Services and applicable regulatory authorities as required in connection with mortgage-related complaints or inquiries.

This Consumer Grievance Policy may be updated periodically to reflect changes in business practices, licensing, regulatory requirements, or complaint procedures.

The current version will be posted on this website with the applicable effective date.

Questions regarding this Consumer Grievance Policy may be directed to:

Jennifer Chicano | Your Loan Chic
Email: jenn@yourloanchic.com
Phone: 720-594-2626
Mailing Address: 5200 DTC Parkway, Suite 300, Greenwood Village, CO 80111
Website: yourloanchic.com

Jennifer Chicano | NMLS #1194079
Zero Point Mortgage Services | NMLS #1216108