LICENSES
Alabama Mortgage Brokers License #1926444 | Alaska Mortgage Broker/Lender License #AK1926444 | Arizona Mortgage Broker License #1049005 | Arkansas Mortgage Broker License #1926444 | California – DFPI Financing Law License #60DBO-175010 | Colorado Mortgage Company Registration | Florida Mortgage Broker License #MBR6764 | Georgia Mortgage Broker/Processor License #1926444 | Hawaii Mortgage Loan Originator Company License #HI-1926444 | Idaho Mortgage Broker/Lender License #MBL-2081926444 | Indiana-SOS Loan Broker License #1926444 | Iowa Mortgage Broker License #2025-0145 | Kansas Mortgage Company License #MC.0027406 | Louisiana Residential Mortgage Lending License | Maine Supervised Lender License #1926444 | Maryland Mortgage Lender License #1926444 | Mississippi Mortgage Broker License #1926444 | Montana Mortgage Broker License #1926444 | New Mexico Mortgage Loan Company License | North Carolina Mortgage Broker License #B-22725 | Oklahoma Mortgage Broker License #MB017566 | Oregon Mortgage Lending License #1926444 | South Dakota Mortgage Brokers License #1926444.MB | Texas SML Mortgage Company License | Utah-DRE Mortgage Entity License #11657341 | Washington Mortgage Broker License # MB-1926444 | Wyoming Mortgage Broker License #5054
DISCLAIMERS
GENERAL DISCLAIMERS
EQUAL HOUSING LENDER DISCLAIMER
Fulcrum Home Loans is an Equal Housing Mortgage Broker. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. As prohibited by law, Fulcrum Home Loans does not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, military status, marital status, age (provided you are legally able to enter into a binding contract), due to the use of public assistance, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580. All information requested is voluntary and will be kept confidential. For more information on the ECOA, please visit: https://www.ftc.gov/legal-library/browse/statutes/equal-credit-opportunity-act
LOAN COMMITMENT DISCLAIMER
This is not a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet LTV requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines, and are subject to change without notice based on applicant’s eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over life of loan. Reduction in payments may reflect longer loan term. Terms of the loan may be subject to payment of points and fees by the applicant. Fulcrum Home Loans is an Equal Opportunity Lender and an Equal Housing Lender.
HOME MORTGAGE DISCLOSURE ACT DISCLAIMER
The Home Mortgage Disclosure Act (HMDA) data for most residential mortgage lending is available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. This data is available online at the Consumer Financial Protection Bureau’s website ( www.consumerfinance.gov/hmda).
BROKERED OUT PRODUCTS DISCLAIMER
Fulcrum Home Loans acts as a third-party originator and submits loan packages/applications directly to third party lenders for approval.
CREDIT REPAIR DISCLAIMER
Neither Fulcrum Home Loans, nor any loan officers and employees listed herein, are in the business of credit repair, and will not offer advice on those matters. A free annual credit report can be obtained at www.annualcreditreport.com.
FINANCIAL PLANNING DISCLAIMER
Fulcrum Home Loans and its loan officers, unless individually licensed and specifically denoted in their credentials, are not qualified to, and are prohibited from representing themselves as accountants, attorneys, certified financial planners, estate planners, investment specialists, or tax experts, and will not advise you on those matters. Seek the advice of a licensed professional.
REVERSE MORTGAGE DISCLAIMER
Borrowers must be age 62 or over and the home must be their primary residence. Homeowners must complete counseling with a government-certified counselor before applying. Homeowners must pay property taxes, insurance, and homeowner’s association dues. Consult a tax professional for tax consequences. A reverse mortgage is a loan and must be repaid. Loan amount based on equity in your home. Payout available in lump sum or in regular scheduled payments. Proceeds will not affect Social Security or Medicare Benefits. There’s no need to repay the loan as long as you continue to live in the house and maintain the property to FHA standards. This is not a commitment to make a loan. Loans are subject to borrower and property qualifications. Interest rates and program guidelines are subject to change without notice.
RATE SHEET DISCLAIMER
Rate sheet information is intended as a general market reference only - as of the date of creation - and intended for mortgage professionals and their partner’s use. It is not intended for public distribution, online posting, or to serve as an accurate rate quote, as additional factors will affect each loan scenario. Rates, points, and closing costs may vary based on loan features, geography, and/or other terms and conditions. APR calculations are based on origination points, discount fees, and average loan fees, including closing costs. Rates, points, and closing costs are subject to change without notice and vary by state and the interest rate chosen. Rates may also be affected by the borrower’s credit profile. Please contact your Fulcrum Home Loans Loan Officer for more information. Adjustable-rate mortgages have interest rates, which are subject to increase after consummation.
PRE-APPROVAL DISCLAIMER
Mortgage loan pre-approvals are conditional to several factors remaining unchanged through the closing and funding of your loan. Be advised that your credit report may be pulled again at closing to ensure no changes have occurred. Some items that can affect your pre-approval are: any changes in real estate purchase contract terms, sales price, closing date, deadlines or contingencies, adequate property valuation by a licensed appraiser, conditions or exceptions to the appraisal(s), changes in your financial situation, increased debt ratios, changes in credit scoring and reported items, new debt or inquiries on your credit, buying/selling of asset, any collection/lien notifications, job changes or pay rate changes of any kind, co-signing on a debt for another person, making any large deposits or money transfers, unseasoned funds for down payment and closing costs, and other conditions, changes, or discovered facts. Please contact your loan professional prior to taking actions that could change your financial situation.
GRANT DISCLAIMER
Grants are offered and provided by/through third-party entities, and are dependent upon those entities’ regulations, restrictions, and qualifications to govern the distribution of those grant funds. I.e., Income compared to area median income; number of individuals living in the household; first-time home buyer status; location, etc. Some grants require repayment and/or conditions which may trigger repayment. I.e., Primary residence or time in the home. Your loan officer can assist you in obtaining current grant status and restrictions. Fulcrum Home Loans is not responsible for non-qualification of any applicant, nor funds availability, from the providing grant entity. This is not a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet the loan-to-value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines, and are subject to change without notice based on applicant’s eligibility and market conditions. Terms of the loan may be subject to payment of points and fees by the applicant.
COMARKETING DISCLAIMER
Fulcrum Home Loans and its Loan Officers, adhere to RESPA regulations. They are required to ensure equitable co-investment in marketing efforts when jointly advertising with a real estate professional. Fulcrum Home Loans and its Loan Officers, adhere to RESPA regulations. They are prohibited from paying referral fees to non-employees or real estate professionals for a referral of business.
FOREIGN LANGUAGE DISCLAIMER
All transactional documentation, including application, disclosures, closing documents, etc. must/will be in English, regardless of the language used on a written piece of marketing, or in verbal communications.
WEBSITE DISCLAIMER
No statement on this website is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet loan-to-value requirements, final credit approval, etc. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant’s eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant.
STATE SPECIFIC DISCLAIMERS
TEXAS COMPLAINTS & REIMBURSEMENTS
Consumers wishing to file a complaint against a mortgage banker, a licensed mortgage banker, or a residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain out-of-pocket damages sustained by borrowers caused by acts of licensed mortgage bankers or residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.
ARIZONA DISCLAIMER
Fulcrum Home Loans LLC, Company NMLS #1926444, Branch NMLS #2533138 is licensed by the Arizona Department of Insurance and Financial Institutions. For more information, visit the Arizona Department of Insurance and Financial Institutions website at https://azdifi.gov/. All mortgage loan products, rates, terms, and approvals are subject to borrower qualification, underwriting guidelines, and applicable state and federal laws. No representation is made that any borrower will receive a specific loan product, interest rate, or approval. The use of terms such as “guaranteed,” “approved,” or similar language is not intended to imply that loan approval is assured.
REGULATORY
Alabama - Mortgage Brokers License
License# 1926444
Regulator: Alabama State Banking Department
401 Adams Ave. Suite 680 Montgomery, AL 36104
Phone: 334-242-3452
Fax: 334-242-3500
Alaska - Mortgage Broker/Lender License
License #AK1926444
Regulator: Alaska Division of Banking and Securities
550 W 7th Ave. Suite 1850 Anchorage, AK 99501
Phone: 907-269-8140
Fax: 907-269-8146
Arizona - Mortgage Broker License
License# 1049005
Regulator: Arizona Department of Insurance and Financial Institutions
100 North 15th Ave. Suite 261 Phoenix, AZ 85007
Phone: 602-364-3100
Fax: 602-381-1225
Arkansas - Mortgage Broker License
License# 1926444
Regulator: Arkansas State Bank Department
1 Commerce Way Suite 303 Little Rock, AR 72202
Phone: (501) 324-9019
Fax: (501) 324-9028
California (DFPI) - Financing Law License
License# 60DBO-175010
Regulator: California Department of Financial Protection and Innovation
651 Bannon Street Suite 300 Sacramento, CA 95811
Phone: (916) 327-7585
Colorado - Mortgage Company Registration
Regulator: Colorado Department of Regulatory Agencies – Division of Real Estate
1560 Broadway Suite 925 Denver, CO 80202
Phone: (303) 894-2166; (800) 886-7675
Delaware - Broker License
License# 41207
Regulator: Delaware Office of the State Bank Commissioner
1110 Forrest Avenue Dover, DE 19904
Phone: (302) 739-4235
Fax: (302) 739-2356
Florida - Mortgage Broker License
License# MBR6764
Regulator: Florida Office of Financial Regulation
200 E. Gaines Street Tallahassee, FL 32399
Phone: (850) 487-9687
Fax: (850) 410-9663
Georgia - Mortgage Broker/Processor License
License# 1926444
Regulator: Georgia Department of Banking & Finance
2990 Brandywine Road Suite 200 Atlanta, GA 30341
Phone: (770) 986-1633
Hawaii - Mortgage Loan Originator Company License
License# HI-1926444
Regulator: Hawaii Department of Commerce and Consumer Affairs - Financial Institutions
King Kalakaua Building, 335 Merchant St Room 221 Honolulu, HI 96813
Phone: (808) 586-2820
Fax: (808) 586-2818
Idaho - Mortgage Broker/Lender License
License# MBL-2081926444
Regulator: Idaho Department of Finance
11341 West Chinden Blvd. Suite A300 Boise, ID 83714
Phone: (208) 332-8000
Fax: (208) 332-8099
Indiana (SOS) - Loan Broker License
License# 1926444
Regulator: Indiana Department of Financial Institutions
30 South Meridian Street Suite 200 Indianapolis, IN 46204
Phone: (317) 232-3955
Fax: (317) 232-7655
Iowa - Mortgage Broker License
License# 2025-0145
Regulator: Iowa Division of Banking
200 East Grand Avenue Suite 300 Des Moines, IA 50309
Phone: (515) 281-4014
Fax: (515) 281-4862
Kansas - Mortgage Company License
License# MC.0027406
Regulator: Kansas Office of the State Bank Commissioner
700 SW Jackson St Suite 300 Topeka, KS 66603
Phone: (785) 380-3939
Fax: (785) 371-1229
Louisiana - Residential Mortgage Lending License
Regulator: Louisiana Office of Financial Institutions
8660 United Plaza Boulevard 2nd Floor Baton Rouge, LA 70809
Phone: (225) 925-4660
Fax: (225) 925-4524
Maine - Supervised Lender License
License# 1926444
Regulator: Maine Bureau of Financial Institutions
36 State House Station Augusta, ME 04333
Phone: (207) 624-8570
Fax: (207) 624-8590
Maryland - Mortgage Lender License
License# 1926444
Regulator: Maryland Department of Labor - Office of Financial Regulation
100 S. Charles Street, Tower 1 Suite 5300 Baltimore, MD 21201
Phone: (410) 230-6100
Fax: (410) 333-3866
Minnesota - Residential Mortgage Originator License
License# MN-MO-1926444
Regulator: Minnesota Department of Commerce
85 7th Place East Suite 280 Saint Paul, MN 55101
Phone: (651) 539-1500
Fax: (651) 539-1548
Mississippi - Mortgage Broker License
License# 1926444
Regulator: Mississippi Department of Banking and Consumer Finance
4780 I-55 North 5th Floor Jackson, MS 39211
Phone: (601) 321-6901
Fax: (601) 321-6933
Montana - Mortgage Broker License
License# 1926444
Regulator: Montana Department of Administration Division of Banking & Financial Institutions
1712 9th Ave Helena, MT 59601
Phone: (406) 841-2920
Fax: (406) 841-2930
New Mexico - Mortgage Loan Company License
Regulator: New Mexico Regulation and Licensing Department – Financial Institutions Division
2550 Cerrillos Road 3rd Floor Santa Fe, NM 87505
Phone: (505) 476-4564
Fax: (505) 476-4670
North Carolina - Mortgage Broker License
License# B-222725
Regulator: North Carolina Office of the Commissioner of Banks
3100 Smoketree Court 11th Floor Raleigh, NC 27604
Phone: (919) 733-3016
Fax: (919) 733-6918
Oklahoma - Mortgage Broker License
License# MB017566
Regulator: Oklahoma Banking Department
2900 North Lincoln Boulevard Oklahoma City, OK 73105
Phone: (405) 521-2782
Fax: (405) 522-2993
Oregon - Mortgage Lending License
License# 1926444
Regulator: Oregon Division of Financial Regulation
350 Winter St. NE Room 410 Salem, OR 97301
Phone: (503) 378-4140
Fax: (503) 947-7862
Rhode Island - Loan Broker License
License# 20265022LB
Regulator: Rhode Island Department of Business Regulation
1511 Pontiac Avenue Cranston, RI 02920
Phone: (401) 462-9503
Fax: (401) 462-9536
South Dakota - Mortgage Broker License
License# 1926444.MB
Regulator: South Dakota Department of Labor and Regulation Division of Banking
1714 Lincoln Ave. Suite 2 Pierre, SD 57501
Phone: (605) 773-3421
Fax: (605) 773-3460
Texas (SML) - Mortgage Company License
Regulator: Texas Department of Savings and Mortgage Lending
2601 N. Lamar, Suite 201 Austin, TX 78705
Phone: 877-276-5550 / 512-475-1350
Fax: 512-475-1360 Licensing
Utah (DRE) - Mortgage Entity License
License# 11657341
Regulator: Utah Division of Real Estate
P.O. Box 146711 / Physical: Heber M. Wells Building, 2nd Floor, 160 East 300 South Salt Lake City, UT 84114-6711 / 84111
Phone: (801) 530-6747
Fax: (801) 530-6749
Washington - Mortgage Broker License
License# MB-1926444
Regulator: Washington State Department of Financial Institutions
150 Israel Rd SW Tumwater, WA 98501
Phone: (360) 902-8704
Fax: (360) 704-6904
Wyoming - Mortgage Broker License
License# 5054
Regulator: Wyoming Division of Banking
2300 Capitol Avenue 2nd Floor Cheyenne, WY 82002
Phone: (307) 777-7797