Broker Lenders operates under the supervision of licensed mortgage professionals who are committed to providing ethical and compliant mortgage lending services. All loan originators are licensed and registered through the Nationwide Multistate Licensing System (NMLS).

The Nationwide Multistate Licensing System (NMLS) is a system that allows uniform license applications, renewals, and amendments; uniform reporting; and improved tracking and monitoring of licensed companies and individuals.

NMLS provides a comprehensive database where consumers can research the background and licensing status of mortgage loan originators and companies.

Broker Lenders is licensed to conduct mortgage lending business in multiple states. Our licensing status varies by state and may include:

California

Utah

Idaho

Texas

Nevada

Florida

Colorado

Additional States

We may maintain licenses in additional states as required by law. Specific licensing information for each state can be verified through the NMLS Consumer Access website.

We comply with the Fair Housing Act and all applicable fair lending laws. We do not discriminate in any aspect of a credit transaction on the basis of:

• Race or color
• Religion
• National origin
• Sex or gender
• Marital status
• Age (provided the applicant has the capacity to contract)
• Handicap or disability
• Familial status
• Receipt of income from public assistance programs

If you believe you have been discriminated against, you may file a complaint with the Consumer Financial Protection Bureau or the Department of Housing and Urban Development.

Broker Lenders operates in compliance with all applicable federal and state laws and regulations, including:

We regularly review and update our policies and procedures to ensure ongoing compliance with all applicable laws and regulations.

Broker Lenders is committed to fair lending practices and ensuring that all applicants are treated fairly and consistently. Our fair lending program includes:

• Standardized underwriting criteria applied consistently to all applicants
• Regular training for all employees on fair lending laws and practices
• Monitoring and testing of lending practices for potential disparities
• Clear policies prohibiting discriminatory practices
• Regular compliance audits and reviews

We evaluate loan applications based solely on creditworthiness and ability to repay, without regard to prohibited factors.

Under the Truth in Lending Act, we are required to provide you with certain disclosures about your loan, including:

These disclosures help you understand the true cost of your loan and compare offers from different lenders.

RESPA requires us to provide you with information about the real estate settlement process and protects you from certain abusive practices. Under RESPA:

• We must provide you with a Loan Estimate within 3 business days of your application
• We must provide you with a Closing Disclosure at least 3 business days before closing
• We cannot require you to use specific service providers as a condition of your loan
• We cannot accept kickbacks or referral fees from service providers
• We must provide you with a servicing disclosure if we plan to sell or transfer your loan

RESPA also gives you the right to request information about your loan servicing and to file complaints about servicing problems.

The Consumer Financial Protection Bureau (CFPB) is a federal agency that regulates the offering and provision of consumer financial products and services.

You can file complaints with the CFPB about:

• Mortgage lending practices
• Loan servicing issues
• Discrimination in lending
• Unfair, deceptive, or abusive practices

The CFPB also provides educational resources to help consumers make informed financial decisions.