Licensing and disclosures

Licensing

Priya Raman is a licensed mortgage loan originator, NMLS #0000000 (sample placeholder), sponsored by a California licensed brokerage. Lending activity is regulated by the California Department of Financial Protection and Innovation and registered through the Nationwide Multistate Licensing System.

On a live website every number on this page would be verifiable through the NMLS Consumer Access database. On this demo they are placeholders.

• Loan originator NMLS ID: 0000000 (sample placeholder)
• Brokerage NMLS ID: 0000001 (sample placeholder)
• California DFPI licence: 00-0000 (sample placeholder)
• States served: California only

Equal Housing Opportunity

Every applicant is considered on the same terms regardless of race, color, religion, national origin, sex, marital status, familial status, disability, age, or because income comes from a public assistance program.

If you believe you have been treated unfairly in a lending decision, you can file a complaint with the Consumer Financial Protection Bureau or with the California Department of Financial Protection and Innovation.

About the figures on this site

Every rate, APR, payment, fee, median price and savings figure shown anywhere on this website is a sample illustration created for a demonstration site. None of them is an offer to lend, a commitment to lend, a rate lock or an advertisement of available terms.

Real pricing changes daily and depends on credit score, loan amount, loan to value, property type, occupancy, term, lock period and the market at the moment you lock. A written quote based on your actual scenario is available on request and is the only figure you should rely on.

• Calculator results are estimates based on the assumptions listed on each calculator page
• Sample rate sheets are illustrations and are not updated with the market
• Median price figures for each city are invented for this demo and are not market data
• Client reviews and names on this site are sample content

How I am paid

On most files the lender pays compensation at closing, which is disclosed to you in the loan estimate. Where a borrower paid structure produces a lower overall cost, both options are shown side by side in writing before you choose. Compensation does not vary with the interest rate you are given.

Privacy and your documents

Documents you send are used only to evaluate and process your loan request. They are shared with lenders, title and escrow only as needed to complete the transaction. Full details are in the privacy policy.

Complaints and questions

If something about your file is not right, tell me first: (408) 555-0124 or priya@yourdomain.com. If that does not resolve it, you can escalate to the brokerage's compliance department, and beyond that to the CFPB or the DFPI.