Licensing & Regulatory Information
Comprehensive licensing information, regulatory compliance, and professional credentials ensuring transparent and trustworthy mortgage lending services in California.
Professional Licenses & Registration
Our mortgage lending operations are fully licensed and regulated at both federal and state levels, ensuring compliance with all applicable laws and regulations.
NMLS License
[License Number]
Authority: Nationwide Multistate Licensing System
Scope: Federal mortgage lending authorization
ActiveCalifornia DRE License
DRE #[License Number]
Authority: California Department of Real Estate
Scope: California real estate broker license
ActiveState Banking License
CA-[License Number]
Authority: California Department of Financial Protection
Scope: California state mortgage lending
ActiveRegulatory Compliance
Truth in Lending Act (TILA)
Federal law requiring disclosure of credit terms and costs
Full compliance with TILA disclosure requirements
Real Estate Settlement Procedures Act (RESPA)
Federal law governing real estate settlement procedures
Complete RESPA compliance and consumer protection
Fair Credit Reporting Act (FCRA)
Federal law regulating consumer credit information
Strict adherence to FCRA credit reporting standards
Equal Credit Opportunity Act (ECOA)
Federal law prohibiting credit discrimination
Full ECOA compliance and fair lending practices
California Homeowner Bill of Rights
California law protecting homeowners from foreclosure abuse
Complete compliance with California foreclosure protections
SAFE Mortgage Licensing Act
Federal law requiring state licensing of mortgage originators
All loan officers are SAFE Act licensed and registered
Your Rights as a Borrower
Right to Know
You have the right to receive clear, accurate information about loan terms, costs, and risks.
Right to Shop
You have the right to shop around and compare mortgage offers from different lenders.
Right to Privacy
Your personal and financial information must be protected and used only for legitimate purposes.
Right to Fair Treatment
You have the right to fair and equal treatment regardless of race, religion, gender, or other protected characteristics.
Right to Complain
You have the right to file complaints about mortgage lending practices with appropriate regulatory agencies.
Right to Cancel
You have the right to cancel certain mortgage transactions within three business days.
Required Loan Disclosures
Loan Estimate
Detailed breakdown of loan terms, projected payments, and closing costs
Timing: Within 3 business days of application
Closing Disclosure
Final loan terms and closing costs, including any changes from the Loan Estimate
Timing: At least 3 business days before closing
TILA Disclosure
Truth in Lending disclosures including APR, finance charge, and payment schedule
Timing: Before loan consummation
RESPA Booklet
Consumer guide to settlement services and your rights as a borrower
Timing: Within 3 business days of application
Licensed Mortgage Professionals
John Smith
Senior Loan Officer
NMLS #123456
- Certified Mortgage Planning Specialist
- FHA Approved
- VA Approved
Sarah Johnson
Mortgage Consultant
NMLS #234567
- First-Time Buyer Specialist
- CalHFA Certified
- USDA Approved
Michael Chen
Branch Manager
NMLS #345678
- Certified Mortgage Banker
- Jumbo Loan Specialist
- Investment Property Expert
NMLS Consumer Access
Verify Our License Status
The Nationwide Multistate Licensing System (NMLS) provides consumers with access to licensing and regulatory information for state-licensed companies and individuals.
You can verify our licensing status and view any regulatory actions by visiting the NMLS Consumer Access website.
Visit NMLS Consumer AccessOur NMLS ID: [NMLS ID]
Consumer Complaint Process
Internal Resolution
- Contact our customer service team directly
- Speak with a senior loan officer or manager
- Submit written complaint for formal review
- Receive response within 10 business days
Regulatory Agencies
Consumer Financial Protection Bureau
consumerfinance.gov/complaint
California DRE
dre.ca.gov
HUD
hud.gov/complaints
Important Legal Notices
Equal Housing Opportunity
We are committed to equal housing opportunity and fair lending practices. We do not discriminate on the basis of race, color, religion, sex, national origin, familial status, or disability in any aspect of a credit transaction.
Privacy Notice
We protect your personal and financial information in accordance with applicable privacy laws. We do not sell your personal information to third parties for marketing purposes.
Credit Authorization
By applying for a loan, you authorize us to obtain credit reports and verify information provided in your application. Multiple credit inquiries for the same purpose within a short time frame typically count as a single inquiry for credit scoring purposes.
Questions About Our Licensing or Compliance?
Our licensed mortgage professionals are ready to answer your questions and guide you through the loan process with complete transparency.