Check the NMLS record for Florida Mortgage Solvers, and for any other mortgage professional you are considering, before you hand over a single document.
Our NMLS and Florida Mortgage Solvers licensing details
- Renzo Johnson, Licensed Mortgage Loan Originator, NMLS #PENDING
- Florida-licensed mortgage brokerage
- Every loan officer holds an individual licence and registration
- Regulated by the Florida Office of Financial Regulation
- Verify any record at NMLS Consumer Access
What the NMLS actually is
The Nationwide Multistate Licensing System is the single register every mortgage company and loan originator in the country must appear on. Congress created it through the SAFE Act after the 2008 crisis, and it exists so that a broker who behaves badly in one state cannot simply reopen in another.
Every licensed originator carries a unique identifier, and that number follows the person for their whole career. Because it is permanent, the record travels with them across employers and across state lines.
How to check anyone in about two minutes
Open NMLS Consumer Access, which is free and needs no account. Search the person’s name or their NMLS number, then read four things.
- Licence status. It must read active, and it must be active in Florida specifically. A licence active only in another state does not permit lending here.
- Employment history. The record lists every company the person has worked for. Frequent short stays are worth asking about.
- Regulatory actions. Any formal action by a state regulator appears here. This is the section most consumers never open.
- The company record. Look up the brokerage as well as the individual, since both must hold licences.
Do this before you send tax returns, bank statements or a social security number to anyone. You are about to hand over everything an identity thief would want, so spend the two minutes first.
What the licence obliges us to do
Florida regulates mortgage brokers through the Office of Financial Regulation, which sets licensing standards, requires continuing education, and investigates complaints. Meanwhile federal rules require every originator to display their NMLS identifier on advertising and on loan documents. If you cannot find that number on a lender’s website, treat the omission as information.
You can also file a complaint with the Florida Office of Financial Regulation directly if a licensee treats you improperly. That route exists whether or not the company wants you to know about it.
Our other disclosures
See our licensing and disclosures page for the required lending disclosures, or read about Renzo Johnson and the rest of our team.