Licensing

Company NMLS: 198299

NMLS Unique Identifier: 198299
NMLS Consumer Access Site: www.nmlsconsumeraccess.org

VA Approved Lender ID: 6801990000, By Department of Veterans Affairs

FHA Approved Lender ID: 2713400001, By Department of HUD

STATE LICENSES
Virginia (VA) – License Number MC-4257, Licensed as a Mortgage Broker by the Virginia State Corporation Commission

Maryland (MD) – Registration No. 23017, Licensed as a Mortgage Lender by the Commissioner of Financial Regulation,

District of Columbia (DC)-License # MLB198299, Licensed as a Mortgage Lender by District of Columbia

NON-LICENSING REQUIRED STATES
These states do not require us to be licensed if the loans fall outside of the traditional (QM) loan guidelines.

These types of loans are Debt service coverage ratio (DSCR) loans and specifically designed for property investors.

DSCR loans are an advantageous alternative to traditional home loans. You don’t have to go through the traditional loan qualification process and have much more flexible underwriting terms.

With traditional home loans, your income, assets, and employment are used to determine if you’re an eligible borrower. With DSCR loans, your eligibility is based on your DSCR, which is the ratio of monthly rental income to monthly mortgage payment. You don’t have to provide proof of income or employment history verification for DSCR loans in Virginia.

Alabama
Colorado
Connecticut
Delaware
District Of Columbia
Florida
Georgia
Hawaii
Illinois
Indiana
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
New Hampshire
New Jersey
New Mexico
New York
Ohio
Oklahoma
Pennsylvania
Rhode Island
South Carolina
Tennessee
Texas
Virginia
Washington
West Virginia
Wisconsin
Wyoming

We are an Equal Housing Opportunity Lender. In accordance with federal law, we do not engage in discriminatory practices based on race, color, religion, national origin, sex, marital status, age (as long as you are legally able to enter into a binding contract), income derived from public assistance programs, or for exercising rights under the Consumer Credit Protection Act in good faith. The Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580, oversees our compliance with these federal regulations.