Our partners maintain the following licenses in states that require registration and licensing:

Alabama -
Alaska -
Alabama -
Arkansas - Arkansas Mortgage Broker License No. 21750
Arizona - Arizona Mortgage Broker License No. MB - 907329
California - Licensed Real Estate Broker, License No. 014819055
Colorado -
Connecticut - First Mortgage Broker License # 15700
Delaware - Mortgage Broker License No. 148603
District of Columbia - DC Mortgage Broker License No. 5461
Florida - Mortgage Broker Business License No. 0506940
Georgia -
Hawaii -
Idaho - Idaho Mortgage Broker License No. 4688
Illinois -
Indiana - Indiana Loan Broker Registration License No. 05-0057LB
Iowa - Iowa Mortgage Broker License No. 2005-0008
Kansas - Mortgage Company License No. 2005-4885
Kentucky -
Louisiana - Residential Mortgage Lender RML 2204 - 0
Maine - Credit Services Organization CSO7580
Maryland - Maryland Mortgage Lender License No. 12633
Massachusetts - Massachusetts Mortgage Broker License MB 4077
Michigan - Michigan First Mortgage License No. 11413
Minnesota - Minnesota Residential Mortgage Originator License No. MO 20502025
Mississippi -
Missouri - Missouri Residential Mortgage Broker License No. 05-1288
Montana -
Nebraska - Nebraska Licensed Mortgage Banker License No. 1488
Nevada -
New Hampshire -
New Jersey -
New Mexico - New Mexico Loan Broker License No. 02297
New York -
North Carolina - North Carolina Mortgage Lender License No. L-129795
North Dakota - North Dakota Money Broker License No. MB: 101168
Ohio -
Oklahoma - Oklahoma Supervised Lender License No. SL006244
Oregon - Oregon Mortgage Broker License No. ML 3528
Pennsylvania -
Rhode Island -
South Carolina -
South Dakota - South Dakota Mortgage Broker License No. 593
Tennessee - Tennessee Mortgage Broker License No.
Texas - Regulated Loan License: Main 46691; Branch 46690
Utah - Utah Mortgage Lender Company License No. 5798608-MLCO
Vermont - Vermont Mortgage Broker License No. 609 MB
Virginia - Virginia Mortgage Broker License No: MB-3052
Washington - Mortgage Broker License No: 510-MB-27649
West Virginia - Mortgage Broker License No. 22024
Wisconsin - Mortgage Broker License No. 17546
Wyoming - Mortgage Broker License No. 347

State Disclaimers

California

CA Dept. of Real Estate, (916) 227-0931. SecureRights. does not make mortgage loans or commitments. The Housing Financial Discrimination Act of 1977 Fair Lending Notice It is illegal to discriminate in the provisions of or in the availability of financial assistance because of the consideration of: a. Trends, characteristics or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice; or b. Race, color, religion, sex, marital status, national origin or ancestry. It is illegal to consider the racial, ethnic, religious or national origin composition of a neighborhood or geographic area surrounding a housing accommodation or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, or under what terms and conditions, to provide financial assistance. These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation or refinancing of one-to-four unit family residence occupied by the owner and for the purpose of the home improvement of any one-to-four unit family residence. If you have any questions about your rights, or if you wish to file a complaint, contact the management of this institution or the agency noted below.

Department of Real Estate: 2201 Broadway, P.O. Box 187000, Sacramento, CA 95808-7000
Department of Corporations: 320 West 4th Street, Suite 750, Los Angeles, CA 90013-1105

If your inquiry is forwarded to a Lender that makes you an offer, within three business days from the date you submit an application to the Lender you should receive from the Lender a good faith estimate required under RESPA and an initial disclosure statement required under the Truth in Lending Act. If the Lender denies your request for credit, and that action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain, within sixty days, a free copy of your consumer credit report from the credit reporting agency which compiles and maintains files on consumers on a nationwide basis. You also have the right to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency by contacting that agency directly. An applicant, if married, may apply for a separate account. Mortgage Loan Disclosure Statement: SecureRights will receive a fee from a Lender upon passing along your consumer lead information in compensation for its services as a mortgage broker. This fee is received whether or not you close your loan and is the entire compensation received by SecureRights. I acknowledge that this mortgage broker fee will be paid to SecureRights and that there is no other mortgage broker fee agreement between us.

District of Columbia
Financing Agreement: Any Lender you transact with through SecureRights shall issue a Financing Agreement in accordance with D.C. Code Ann. § 26-1013. The Financing Agreement must include the terms of the loan, the principle amount of the loan, a full explanation of the loan type, the interest rate and points and fees, and the duration of the finance agreement. This Financing Agreement must be executed by the Lender and must be delivered at least 72 hours before settlement.

Idaho
SecureRights, does not act as a lender or credit provider. SecureRights will pass along the information you submit to our mortgage broker and/or lending partners and these party(s) will contact you with additional information/offers. SecureRights does not distribute the products of all lenders or investors in the marketplace and therefore cannot guarantee the lowest price or best terms available in the market. SecureRights provides a service to the consumer at no cost to the consumer. SecureRights will not charge or seek fees of any kind from you. SecureRights will receive fees from broker/lender partners and may be paid based on (i) the value of the Mortgage Loan or related servicing rights in the market place or (ii) other services, goods or facilities performed or provided by us to the broker/lender. This agreement remains in effect only as long as you seek to use the services offered by SecureRights. You may discontinue this relationship at any time, without notice, at no cost or penalty to you. Idaho Prepayment Penalty Disclosure: If you, the borrower, pay off or refinance your mortgage loan before the date for repayment stated in the loan agreement, you may be charged a prepayment charge.A prepayment penalty charge may be significant. Prior to signing any documents, make sure you fully understand the prepayment charge provisions outlined in your loan agreement. Interest Rate Lock Information: An interest rate that is not locked in is subject to change.

Kansas
SecureRights: 11661 San Vicente Blvd, Los Angeles, CA 90049
SecureRights is a mortgage business licensed with the Kansas Office of the State Bank Commissioner in accordance with the laws of the state of Kansas. This license does not represent an endorsement or recommendation of the licensee's products or services by the Office of the State Bank Commissioner. As a consumer, you may submit a complaint or inquiry about this mortgage business by delivering a written statement to the Office of the State Bank Commissioner, 700 Jackson, Suite 300, Topeka, KS 66603.

Maine
The State of Maine requires certain disclosures below before signing a contract or paying fees to a credit services organization. Please print out this information and keep for your records to acknowledge reading and receiving a copy of these disclosures. Escrowing of Consumer Funds. SecureRights will receive no fees of any kind at any time from consumers or prospective borrowers. SecureRights does not charge Prospective Borrower a fee for services provided and will at no time seek or charge fees of any kind from Prospective Borrowers. SecureRights receives a fee from the lender for marketing Prospective Borrower's potential loan product business to the lender. SecureRights will link Prospective Borrowers to our Qualified Network of lenders; one or more lenders will contact the Prospective Borrower directly with loan product offerings. SecureRights represents the interests of Prospective Borrower while performing these services; the services are consultative only. Prospective Borrower will rely on his/her judgment to decide which loan product best suits them. SecureRights does not distribute the products of all lenders or credit providers in the marketplace and does not guarantee that Prospective Borrower will receive the lowest price or best terms available in the market. A consumer protection bond is on file with the State of Maine. If you have a claim against our company which cannot be resolved through information means, you may institute an action to recover your loss from that bond by filing a written complaint with the Director, Office of Consumer Credit Regulation, 35 State House Station, Augusta, Maine 04333-0035.

Maryland
SecureRights does not accept or solicit any fees or payments from consumers. If you submit an inquiry to SecureRights and your inquiry is forwarded to our participating Lenders, you may be issued a Financing Agreement by Lenders as per Maryland Commercial Law Code 12-125, 1013. This Financing Agreement must contain the following: (1) the term and principal amount of the loan; (2) an explanation of the type of mortgage loan being offered; (3) the rate of interest that will apply to the loan, and, if the rate is subject to change or is a variable rate, or is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (4) any points to be paid by the borrower or the seller; and (5) the effective term of the Financing Agreement.

Massachusetts
In accordance with Massachusetts General Law, Chapter 184, Section 17B, we must advise you that the responsibility of the attorney for the mortgagee is to protect the interest of the mortgagee and the mortgagor may, at his own expense, engage an attorney of his own selection to represent his own interests in the transaction. In addition, the mortgagor shall, if applicable, provide you with the approximate expiration date of the note, the rate of interest charged, and that the mortgagee may demand payment of the note by agreement at a greater or lesser rate of interest, or may, by agreement, allow payments to be made on the note at the same, or a lesser or greater rate of interest. Massachusetts law prohibit creditors from discriminating against credit applicants on the basis of race, color, religion, creed, national origin, sex, sexual orientation, ancestry, handicap, marital status, age (provided that the applicant has the capacity to enter into a binding contract), or because all or part of the applicant's income derives from any public assistance program. MORTGAGE BROKER DISCLOSURES REQUIRED BY THE ATTORNEY GENERAL'S CONSUMER PROTECTION REGULATIONS. Secure Rights acts as your mortgage broker. Secure Rights does not make mortgage loans and cannot guarantee acceptance into any particular loan program or promise specific loan terms or conditions. Secure Rights will not charge a fee to consumers to arrange a mortgage loan from the mortgage lender. SecureRights receives payment from our partner brokers and lenders for marketing services provided which links consumer to loan products. As a consumer, your submitted information will be forwarded to partner lender(s) who will be able to obtain a mortgage loan for you based on the information provided. We will perform the following services for you: (i) make available a website based mortgage information request form; (ii) transmit completed mortgage information inquiries to partner lenders.
LeadPoint, Inc. DBA Secure Rights, 11661 San Vicente Blvd Suite 800, Los Angeles, CA 90049

Minnesota
SECURE RIGHTS IS NOT ACTING AS YOUR AGENT IN CONNECTION WITH OBTAINING A RESIDENTIAL MORTGAGE LOAN. WHILE WE SEEK TO ASSIST YOU IN MEETING YOUR FINANCIAL NEEDS, WE CANNOT GUARANTEE THE LOWEST OR BEST TERMS AVAILABLE IN THE MARKET.

Vermont
SecureRights, acting in a brokerage capacity, will link Prospective Borrowers to our Qualified Network of lenders; one or more lenders will contact the Prospective Borrower directly with loan product offerings. SecureRights is not a lender or credit provider and SecureRights does not make loans to Prospective Borrowers. SecureRights represents the interests of Prospective Borrower while performing these services; the services are consultative only. Prospective Borrower will rely on his/her judgment to decide which loan product best suits them. Prospective Borrower is not relying on SecureRights to select a product for him/her. SecureRights does not distribute the products of all lenders or credit providers in the marketplace and does not guarantee that Prospective Borrower will receive the lowest price or best terms available in the market. SecureRights does not charge Prospective Borrower a fee for services provided. SecureRights will at no time seek or charge fees of any kind from Prospective Borrowers. SecureRights receives a fee from the lender for marketing Prospective Borrower's potential loan product business to the lender. Prospective Borrower(s) and SecureRights agree to the above terms and conditions. Prospective Borrower(s) authorize(s) the release of all information required by the lender relating to the disposition and status of the mortgage application. This agreement should be printed and retained for your records.

Washington
In accordance with RESPA and the initial disclosure statement required under the TILA, you may receive from the Lenders a good faith estimate of settlement costs if your loan request is forwarded to one or more participating Lenders.

Interest rates quoted in connection with the loan selected are subject to change, without notice, unless and until an interest rate lock-in agreement is made between you and the Lender. SecureRights does not offer lock-in agreements and does not guarantee interest rates offered or quoted by a participating Lender. If you enter a lock-in agreement with the Lender and are required to pay a lock-in fee, the terms and conditions under which the lock-in fee may be refunded, if any, are set by the Lender. SecureRights will not seek or accept any fees from you at any time. All fees due will be collected by and payable to the Lender. If the Lender is licensed under the Mortgage Broker Practices Act, the fees paid by you for third-party provider services (such as an appraisal or credit report), may be held in a trust account and any moneys remaining after the payment to third-party providers will be refunded to you. If you are unable to obtain a loan for any reason, the Lender, if licensed under the Mortgage Broker Practices Act, will, within five (5) days of a written request by you, give copies to you of any appraisal, title report, or credit report paid for by you, and transmit the original appraisal, title report, or credit report to any other mortgage broker or lender to whom you direct. Transmission of these reports includes the right to use these reports. You are also entitled to receive a copy of any appraisal paid for by you, pursuant to the Federal Equal Credit Opportunity Act. Washington state law prohibits discrimination in credit transactions based on race, creed, color, national origin, sex or marital status. The Washington State Human Rights Commission administers compliance with this law.

Wisconsin
Secure Rights provides mortgage information at no cost to you. Secure Rights will not charge or seek fees of any kind from you. This agreement remains in effect only as long as you seek to use the services offered by Secure Rights; you may discontinue this relationship at any time, without notice, at no cost or penalty to you. This agreement does not create an exclusive relationship. Secure Rights does not act as a lender or credit provider. Secure Rights will pass along your inquiry to qualified lenders and one or more lender will contact you with their loan product offers. Secure Rights seeks to help you meet your financial needs, however we do not distribute the products of all lenders in the market and cannot guarantee the lowest price or best terms available in the market. Secure Rights receives fees from qualified lender partners and may be paid based on (i) the value of the Mortgage Loan or related servicing rights in the market place or (ii) other services, goods or facilities performed or provided by us to the lender.

We are happy to answer any questions you may have or to offer assistance in getting more information about any of the partners in our credit provider network. 

E-mail: licenses [at] creditfinder.us