Broker Disclosure - Licensing and Disclosures | Flyhomes

Licensing and Disclosures

Flyhomes Mortgage, LLC (“FHM”), is a subsidiary of Flyhomes, Inc. (“Flyhomes”) and a licensed mortgage broker with its main office located at 3120 139th Ave SE, Suite 500, Bellevue, WA 98005.

www.nmlsconsumeraccess.org

Flyhomes Mortgage, LLC is a licensed mortgage broker in Washington State.

NMLS ID: #1733272

3120 139th Ave SE, Suite 500
Bellevue, WA 98005

Have questions? Let’s chat.

3120 139th Ave SE, Suite 500, Bellevue, WA 98005

Licensing disclosure

StateLicense
AK
Alaska Mortgage Broker/Lender License, License # AK1733272
AL
Alabama Consumer Credit License, License # 23568
AR
Arkansas Combination Mortgage Banker-Broker-Servicer License, License # 1733272
AZ
Arizona Mortgage Banker License, License # 1034671
CA
California DFPI Financing Law License, License # 60DBO-100084
CO
Colorado Mortgage Company Registration, License # 1733272
Colorado UCCC Supervised Lender License, License # SUP-L-00218127
CT
Connecticut Mortgage Lender License, License # ML-1733272
Connecticut Exempt Mortgage Servicer Registrant, License # EMSR-1733272
DC
District of Columbia Mortgage Dual Authority License, License # MLB1733272
FL
Florida Mortgage Lender Servicer License, License # MLD2228
GA
Georgia Mortgage Lender License/Registration, License # 1733272
IA
Iowa Mortgage Banker License, License # 2024-0054
ID
Idaho Mortgage Broker/Lender License, License # MBL-2081733272
IL
Illinois Residential Mortgage License, License # MB.6850115
IN
Indiana DFI - Mortgage Lender License, License # 73120
KS
Kansas Mortgage Company License, License # MC.0025610
KY
Kentucky Mortgage Company License, License # MC902209
LA
Louisiana Residential Mortgage Lending License, License # 1733272
MA
Massachusetts Mortgage Broker License, License # MC1733272
Massachusetts Mortgage Lender License, License # MC1733272
Massachusetts Third Party Loan Servicer Registration, License # LS1733272
MD
Maryland Mortgage Lender License, License # 1733272
ME
Maine Supervised Lender License, License # 1733272
MI
Michigan 1st Mortgage Broker/Lender/Servicer License, License # FL0026370
Michigan 2nd Mortgage Broker/Lender/Servicer Registrant, License # SR0026371
MN
Minnesota Residential Mortgage Originator License, License # MN-MO-1733272
MS
Mississippi Mortgage Lender License, License # 1733272
MT
Montana Mortgage Lender License, License # 1733272
NC
North Carolina Mortgage Lender License, License # L-224247
ND
North Dakota Residential Mortgage Lender, License # ML105083
NE
Nebraska Mortgage Banker License, License # 1733272
NH
New Hampshire Mortgage Banker License, License # 1733272MB
NM
New Mexico Mortgage Loan Company License, License # 1733272
NV
Nevada Mortgage Company License, License # NMC-128945
OH
Ohio Residential Mortgage Lending Act Certificate of Registration, License # RM.805458.000
OK
Oklahoma Mortgage Lender License, License # ML016787
OR
Oregon Mortgage Lending License, License # ML-5717
Oregon Mortgage Servicer License, License # 1733272
PA
Pennsylvania Mortgage Lender License, License # 111560
SC
South Carolina BFI Mortgage Lender / Servicer License, License # MLS-1733272
TN
Tennessee Mortgage License, License # 1733272
TX
Texas SML Mortgage Company License, License # 1733272
Texas SML Mortgage Servicer Registration, License # 1733272
UT
Utah DFI Residential First Mortgage Notification, License # 1733272
VT
Vermont Lender License, License # LL-1733272
WA
Washington Consumer Loan Company License, License # CL-1733272
WI
Wisconsin Mortgage Banker License, License # 1733272BA
WV
West Virginia Mortgage Lender License, License # ML-1733272
WY
Wyoming Mortgage Lender/Broker License, License # 5448

Disclosures

Agency

FHM is not an agent of you or any lender unless otherwise provided under applicable state law pertaining to the specific services provided. FHM only provides an administrative service to consumers and participating lenders. Decisions regarding pre-approval requests are made by participating lenders and not FHM. FHM assumes no responsibility for any result or consequence related directly or indirectly to any action or inaction that consumers take based on the Services, including on the Site, and any other information available there. Interest rates provided through the Services are for information purposes only, and actual interest rates may vary.

Equal Housing

FHM is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided that you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, 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, D.C. 20580

Lender

FHM shall not be liable for any damages or costs of any type arising out of any loan products or other services offered by lender. The lender is solely responsible for its services to you. You acknowledge and understand that lenders keep information provided by FHM during processing of your request, regardless of whether you are qualified for a loan or obtain a loan with any lender. FHM is not liable for any communications from lender, and you agree to notify any particular lender directly if you wish to no longer receive communications. Lenders and other brokers, dealers, and partners, may make certain disclosures to you in compliance with applicable state and federal laws.

Options

The use of FHM's Services are not required to obtain a residential mortgage loan. The full range of loans available may not be listed on FHM's platform, and different terms and conditions, including lower rates, may be made available from others not listed.

Lender Interest Rates

The interest rates quoted by lenders are subject to change unless and until an interest rate lock-in agreement is made between you and the lender. The terms and conditions of lock-in agreements, including whether the lock-in fee may be refunded, will be set by the lender. FHM does not offer lock-in agreements and does not guarantee interest rates made by lenders. If the lender is licensed under the Washington Mortgage Broker Practices Act, the fees paid by you for third-party services may be held in a trust account, and any such moneys remaining after the payment to third-party providers will be refunded to you.

Obligations after Denial of Loan

If you are unable to obtain a loan for any reason and you have paid for an appraisal, title report, or credit report in full in connection to a loan made with a lender licensed under the Washington Mortgage Broker Practices Act, the lender shall give you a copy of any such document, and will transmit the originals to any other mortgage broker or lender at your direction within five (5) days of your written request. Under the Equal Credit Opportunity Act (ECOA), you are entitled to receive a copy of any appraisal you have paid for.

Loan Estimate

If your inquiry is forwarded to a participating lender, you may receive from the lender a Loan Estimate Form as required by the Real Estate Settlement Procedures Act (RESPA) and Truth in Lending Act (TILA).

Washington State Foreclosure Assistance

Borrowers who are unable to afford their mortgage payments and who wish to avoid foreclosure should request a loan modification from Flyhomes Mortgage. Loan modifications are granted on a case-by-case basis. To begin the loan modification request process with Flyhomes Mortgage, borrowers should request a Loan Modification Intake Form by emailing servicing@flyhomes.com or by calling 855-220-1238 before the loan maturity date.

The following financial documents will be collected when discussing options for avoiding foreclosure:

  • If refinancing with Flyhomes Mortgage: The borrower is to provide an explanation of the delay in refinancing the short-term loan and the estimated closing date to their Flyhomes Mortgage Loan Officer.
  • If refinancing with another lender: The borrower will upload their commitment letter when completing the Loan Modification Intake Form.
  • If no refinance lender has been selected: A full refinance application must be submitted to Flyhomes Mortgage.

Once the Intake Form is received and the above documents have been obtained and verified, Flyhomes Mortgage will process the modification request.

Borrowers who wish to discuss options for avoiding foreclosure can contact Flyhomes Mortgage Servicing Department at 855-220-1238. Borrowers can contact a free housing counselor by calling Washington State's homeownership information hotline at 1-877-894-HOME (1-877-894-4663) or visiting http://www.wshfc.org/buyers/counseling.htm or http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm. Foreclosure counseling helps homeowners understand all of their options and determine the best course of action.