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BEN V. CATReal Estate & Lending Strategist
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Disclosures

Disclosures & Fair Housing

Licensing, brokerage, and consumer disclosures required for, or relevant to, California real estate and mortgage advertising.

Effective October 6, 2026

Licensing & Brokerage

All real estate brokerage and mortgage loan origination services described on this site are provided by Ben V. Cat as a licensee of Century Financial Group, Corp., which is responsible for supervising that activity.

License status: as of October 6, 2026, the California Department of Real Estate public license record for DRE #02030696 shows the license as active, expiring March 26, 2029, with no disciplinary actions on record. License status can change; please use the links above to see the current record.

Agency Relationships

California law (Civil Code §2079.16) requires real estate licensees to give you a written Disclosure Regarding Real Estate Agency Relationship (opens in a new tab) before you sign a listing agreement or purchase offer. It explains the duties an agent owes when representing the seller, the buyer, or both. You will receive this disclosure in writing, and you should read it carefully before signing.

  • Seller's agent: acts for the seller only and owes the seller fiduciary duties.
  • Buyer's agent: acts for the buyer only and owes the buyer fiduciary duties.
  • Dual agent: may represent both seller and buyer only with the knowledge and written consent of both.

In every case, an agent owes all parties honesty, good faith, and disclosure of known material facts affecting the property. Visiting this website or submitting a form does not create an agency relationship.

Equal Housing Opportunity

Ben V. Cat and Century Financial Group, Corp. are committed to equal housing opportunity. We support an affirmative advertising and marketing program in which there are no barriers to obtaining housing.

We comply with the federal Fair Housing Act, the California Fair Employment and Housing Act, the Unruh Civil Rights Act, and all other applicable fair housing laws. We do not discriminate in the sale, rental, financing, or advertising of housing on the basis of race, color, religion, sex, gender, gender identity, gender expression, sexual orientation, marital status, national origin, ancestry, familial status, source of income, disability, medical condition, genetic information, age, citizenship, primary language, immigration status, veteran or military status, or any other basis protected by law.

We do not steer buyers toward or away from neighborhoods. Service area and neighborhood descriptions on this site describe where we work, not who should live there.

If you believe you have experienced housing discrimination, you can contact the U.S. Department of Housing and Urban Development (opens in a new tab) or the California Civil Rights Department (opens in a new tab).

Advertising & Content

  • Descriptions of strategy, market conditions, and outcomes reflect our opinions and experience. They are not guarantees, and past results do not guarantee future results.
  • The mortgage payment estimator is for illustration only and is not a loan offer, pre-approval, commitment to lend, rate lock, or appraisal. All loans are subject to credit approval and underwriting; rates and programs change without notice.
  • Some photos or visual materials may be AI-enhanced to illustrate possibilities and do not depict a specific property.
  • Blog articles and guides are general information, not legal, tax, or investment advice.

See our Terms of Use for full details.

Translations

Translations are machine-generated by Google Translate for convenience only and may contain errors. The English version of this site, including all disclosures, is the official version.

Disclosures, contracts, and loan documents should be reviewed in English or with a qualified human translator. Contact us if you need language assistance.

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