The Loan Seller Agreement between Lender and DCA:

  1. sets forth the requirements with which Lender must comply in order to maintain its status as a DCA Lender;
  2. provides the terms and conditions for the sale of Georgia Dream Loans;
  3. incorporates this Seller Guide by reference; and
  4. incorporates DCA’s Fair Housing Statement and requires DCA Lenders to maintain policies prohibiting discrimination based on race, color, sex, religion, national origin, familial status, disability or age.  It also requires DCA Lenders to comply with all federal and state fair housing and lending laws, rules, regulations, orders, and provisions.

The Lender performs origination and selling functions under the Loan Seller Agreement as an independent contractor and principal, not as an agent or representative of GHFA or DCA.