PURCHASE REFINANCE PROGRAMS COMPANY TODAY’S RATES APPLY NOW (561) 983-6413 Resources As a mortgage company, we are regulated by multiple government agencies and federal acts, in order to guarantee equal housing opportunities, transparent business practices, and more uniform mortgage processes. These resources govern our businesses practices daily, and they are meant to make securing a mortgage safer for you as a consumer. These resources are available to the public, but sometimes it can be hard to track down the exact right website or sift through ads for mortgage products to get to them. We compiled the direct websites to government programs and federal acts for you to make your research easier. If you have any questions about the programs, what you would qualify for, and what we offer, please reach out via the "ask a professional" option in the company tab. Federally-Insured Programs We offer many federally insured programs. For more information on the government agencies that regulate them, their minimum requirements, and who is eligible, please visit the websites below: FHA, or Federal Housing Administration USDA, or United States Department of Agriculture VA, or Veterans Affairs Reverse Mortgages NMLS Information The National Multistate Licensing System, or the NMLS, is the system of record for non-depository, financial services licensing or registration in participating state agencies, including the District of Columbia, and the U.S. Territories of Puerto Rico, Guam, and the U.S. Virgin Islands. The NMLS was created by the Conference of State Bank Supervisors (CSBS) and the American Association of Residential Mortgage Regulators (AARMR) in January 2008. The goal of the NMLS is to employ the benefits of local, state-based financial services regulation on a nationwide platform that provides for improved coordination and information sharing among regulators, increased efficiencies for industry, and enhanced consumer protection. The Board of Managers, called the SRR, is made up of seven members who are either state banking commissioners and/or state mortgage regulators. The SRR is responsible for all system development, operations, and policy matters concerning the NMLS. In order to assist in making decisions and handling operational matters, the SRR Board of Managers created the NMLS Policy Committee, which is made of 11 state financial services regulators. The NMLS Policy Committee addresses: Regulatory policies that govern NMLS NMLS development decisions Prioritization of NMLS functionality NMLS Public Comments Suppression requests concerning NMLS Consumer Access B2B subscriptions Modernization of the System (NMLS,) including the State Examination System (SES) application Under the federal SAFE Act, the SRR Board of Managers created the Mortgage Testing and Education Board (MTEB) in order to carry out the mortgage loan originator testing and meet the mandated education requirements for mortgage loan originators. The NMLS hosts the Consumer Access, which provides the public with information concerning state-licensed companies, branches, and individuals licensed and registered through the NMLS. Equal Housing Lending As a part of the Fair Housing Act, Congress created the Equal Housing Lender program. This program prohibits discrimination in all aspects of "residential real-estate related transactions," including but not limited to: Making loans to buy, build, or improve a dwelling Purchasing real estate loans Selling, brokering, or appraising residential real estate Selling or renting a dwelling The Fair Housing Act prohibits discrimination in housing because of: Race Color National Origin Religion Sex Gender Sex Familial Status Disability The Fair Housing Act regulates the Equal Housing Lender program in order to ensure an Equal Housing Opportunity for all. Title Company In the state of Florida, homebuyers can use a title company for their closing. Our sister company, K-Title, works hand in hand with us for a more streamlined process to get our customers Cleared to Close. They are a great resource if you are looking for a title company. Mortgage Activities for Children We created some resources to help you explain mortgages to your children. These are some great worksheets to keep them occupied during closings, design center visits, and long phone calls with your loan officer. Print as many as you'd like! Kid's Mortgage Application My Dad Is A Loan Officer Activity My Mom is a Loan Officer Activity LEGAL DISCLAIMER We hereby authorize you to view and print information on this website subject to it being used for informational and non-commercial purposes. It is our intention that data provided on a subject is of a general nature. Our website does not represent an exhaustive treatment of subjects nor is the information intended to constitute accounting, tax, legal, consulting or other professional advice. Prior to making any decision or taking any action we kindly request you to contact your tax or legal advisors. Please use this document and information at your own risk. 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