Acrisure Mortgage, LLC (dba Home Loans Today) Legal Disclosures and License Information
It is Home Loans Today’s policy to comply with the Equal Credit Opportunity Act and the Fair Housing Act. In addition, it is Home Loans Today’s policy to comply with state laws that provide greater protection. Home Loans Today’s is an Equal Housing Lender, and does not engage in business practices that discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or Servicemembers Civil Relief Act (SCRA); that all or part of a consumer’s income derives from a public assistance program; or any other basis prohibited by law. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.
Trade Name Disclosures
Acrisure Mortgage, LLC also does business as Acrisure Mortgage Direct
Acrisure Mortgage, LLC also does business as Home Loans Today
Acrisure Mortgage, LLC also does business as FBC Mortgage
FBC Mortgage is a registered trade name
State Disclosure Requirements
Acrisure Mortgage, LLC dba Home Loans Today is a licensed lender in the following states:
| States | Agency | License Information | License Name | License Number |
|---|---|---|---|---|
| Florida | Office of Financial Regulation | Mortgage Lender Servicer License | License No. MLD205 | Mortgage Lender Services License | MLD205 |
| Arizona | Arizona Department of Financial Institutions | Acrisure Mortgage, LLC d/b/a Home Loans Today, 189 South Orange Avenue, Suite 970, Orlando, FL 32801 | License No. 0922681 Branch Location – 16430 North Scottsdale Road, Suite 220, Scottsdale, Arizona 85254 | Mortgage Banker License | 922681 |
| Colorado | Colorado Division of Real Estate | Acrisure Mortgage, LLC NMLS #152859 | (866) 413-2563 | Regulated by the Division of Real Estate; | Mortgage Company Registration | |
| Georgia | Department of Banking and Finance | Georgia Residential Mortgage Lender Licensee | License No. 33248 | 189 South Orange Avenue, Suite 970, Orlando, FL 32801 | Mortgage Lender License/Registration | 33248 |
| Illinois | Department of Financial and Professional Regulation | Illinois Residential Mortgage Licensee | License No. MB.6760953 | Illinois Department of Financial and Professional Regulation, Division of Banking – James R. Thompson Center, 555 W. Monroe, Suite 500 Chicago, IL 60661 | 1+ (888) 473-4858 | FBC Main Office: 189 South Orange Avenue, Suite 970, Orlando, FL 32801 | Residential Mortgage License | MB.6760953 |
| Indiana | Department of Finance | Acrisure Mortgage, LLC NMLS #152859 | DFI Mortgage Lending License | 19912 |
| Michigan | Office of Financial and Insurance Services | Acrisure Mortgage, LLC NMLS #152859 | 1st Mortgage Broker/Lender/ Servicer Registrant | FR0024632 |
| Tennessee | Department of Financial Institutions | Acrisure Mortgage, LLC NMLS #152859 | Mortgage License | 109004 |
| Texas | Department of Savings and Mortgage Lending | Acrisure Mortgage, LLC 189 South Orange Avenue, Suite 970 Orlando, FL 32801 | Texas – SML Mortgage Banker Registration | License No. 152859 | SML Mortgage Banker Registration | |
| South Carolina | State Board of Financial Institutions | Acrisure Mortgage, LLC NMLS #152859 | BFI Mortgage Lender/Servicer License | MLB-1199981 OTN#1 |
| California | Department of Financial Protection and Innovation (DFPI) | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act | License No. 4131257 | DFPI Residential Mortgage Lending Act License | 4131257 |
| North Carolina | Commissioner of Banks | Acrisure Mortgage, LLC NMLS #152859 | Mortgage Lender License | L-156328 |
| Nevada | Division of Mortgage Lending | Nevada Mortgage Broker | License No. 4551 | Mortgage Company License | 4551 |
Texas State Specific
In Texas – consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 N. 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 actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker 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.
Acrisure Mortgage, LLC dba Home Loans Today Nationwide Mortgage Licensing System Number 152859
Toll Free Number: (866) 919-2064
Affiliated Businesses
ACRISURE MP, LLC
ACRISURE NATIONAL LENDING SERVICES, LLC
CLEAR TITLE OF FLORIDA, LLC
FBC HOME INSURANCE SERVICES, LLC
COASTAL LOANS, LLC
FUSION HOME LOANS, LLC
HOMEOWNERS MORTGAGE, LLC
LIBERTY HOME LOANS, LLC
MHC MORTGAGE, LLC
PARK SQUARE HOME MORTGAGE, LLC
RMC HOME MORTGAGE, LLC
TRAILBLAZER MORTGAGE L.L.C.
Pre-Approval Disclosure
*“Pre-Approval” means an automated underwriting system approval (conditional approval) based upon credit information supplied by applicant and subject to Home Loans Today, LLC’s review of loan documents. Not all applicants will be approved.
Information regarding risks of reverse mortgages:
- A reverse mortgage is a loan that must be repaid
- Circumstances under which payments or access to a line of credit may end or a consumer would be required to repay a reverse mortgage during the consumer’s life (e.g., the borrower sells the home)
- Foreclosure may occur if the consumer (1) lives somewhere other than the home longer than allowed by the loan agreement; or (2) does not pay property taxes or insurance premiums
- Consumers must make payments for taxes and insurance during the term of the reverse mortgage
- Reverse mortgage costs may vary and less expensive options may be available
- A reverse mortgage may affect eligibility for some government programs. Specifically, SSI and Medicaid may be affected.
- In order to retain the home when the reverse mortgage becomes due that (1) the consumer or the consumer’s heirs or estate must pay the entire loan balance and (2) the balance may be greater than the value of the consumer’s home.