Licensing & Disclosures

Our Florida mortgage broker license details, the required lending disclosures, and what that licence obliges us to do for you.

Licensing

Required disclosures

  • All loans remain subject to credit approval, underwriting and a property appraisal
  • Rates, terms and programs can change without notice
  • This page is not a commitment to lend, and not every applicant will qualify
  • Figures shown anywhere on this site are illustrative unless a Loan Estimate says otherwise

What a Florida mortgage broker license means

A broker and a bank are not the same thing, and the licence marks the difference. A bank lends its own money against its own guidelines. A broker does not lend at all. Instead we take one application and place it with whichever wholesale lender fits your file, which is why a broker can often solve a case a single bank declines.

Because of that structure, Florida licenses brokers separately and holds them to their own standards. The Office of Financial Regulation sets those standards, requires continuing education each year, and investigates consumer complaints. Meanwhile the federal SAFE Act requires every individual originator to hold a personal licence on top of the company’s, so both must be current.

What that obliges us to do

  • Disclose how we are compensated on your loan, which appears on your Loan Estimate
  • Issue that Loan Estimate on the standard federal form within three business days of your application
  • Display our NMLS identifier on advertising and on loan documents
  • Follow Equal Housing Lender requirements and fair lending law in every file
  • Maintain records and submit to examination by the state regulator

If something goes wrong

Raise it with us first, since most problems are fixable in a phone call. However, you are not dependent on our goodwill. You can file a complaint about any Florida licensee directly with the Office of Financial Regulation, and you can report a mortgage problem to the Consumer Financial Protection Bureau. Both routes stay open to you regardless of what any company tells you.

You can also check our full NMLS registration details, read our terms of service, or see how to verify any broker before you share documents.