Disclosures and Licensing

This document was last updated on November 28th, 2023.

DISCLAIMER

Nationwide Mortgage Bankers, Inc NMLS# 819382 (www.nmlsconsumeraccess.org) Equal Housing Lender | 3 Huntington Quadrangle, Suite 403N, Melville, NY 11747 | (833) 700-8884 |  www.nmbnow.com; NMB is in no way affiliated with Nationwide Mutual Insurance Company. All Country Mortgage; Americasa; Americasa Home Loans; Americasa Mortgage; Equalify; fasterfi.com; Fellowship Home Lenders; Fellowship Home Loans; First Veterans Mortgage; Lending to Heroes; Mortgage Your Best; MortgageNow; MortgageNow.com; NMB Home Loans; NMB Home Loans, Inc.; NMBNOW; NONQMNOW; Own It Home Loans; Own It Team; The Loan And Credit Pro, are registered DBAs of Nationwide Mortgage Bankers, Inc (“NMB”). Nationwide Mortgage Bankers is not acting on behalf of or at the direction of HUD, FHA, or the federal government. All loans are subject to Credit and Appraisal Approval. Program, Rates, Terms, and Conditions are subject to change without notice. This is not a commitment to lend. Licensed under the California Finance Lenders Law by The Department of Financial Protection and Innovation #60DBO73939 | Georgia Residential Mortgage Licensee | Illinois Residential Mortgage Licensee |MA Mortgage Lender License #ML819382 | Licensed by the N.J. Department of Banking and Insurance | Licensed Mortgage Banker – NYS Banking Department | Rhode Island Licensed Lender | Licensed by the Virginia State Corporation Commission. LICENSING

State	License Information
Alabama	NMB Home Loans, Inc. (FN) Consumer Credit License # 22591
Arizona	NMB Home Loans, Inc. (FN) Mortgage Banker License # 949651
Arkansas	Mtg. Broker/Banker/Servicer license # 116238
California	CA-DFPI Financing Law License # 60DBO73939
Colorado	Mortgage Company Registration # 81938 Servicing Notification # MSV-9000064
Connecticut	Mortgage Lender License # ML-819382
Delaware	Mortgage Lender License # 26151
District of Columbia	Mortgage Dual Authority License # MLB819382
Florida	NMB Home Loans, Inc. (FN) Mortgage Lender License #MLD713 NMB Home Loans, Inc. (FN) Mortgage Lender Servicer License #MLD1977
Georgia	NMB Home Loans, Inc. (FN) Mortgage Lender License/Registration #59112
Idaho	Mortgage Broker/Lender License #MBL-2080819382
Illinois	NMB Home Loans, Inc. (FN) Residential Mortgage License # MB.6761339
Indiana	Mortgage Lending License # 819382
Iowa	NMB Home Loans, Inc. (FN) Mortgage Banker License #2019-0084 Americasa – Mortgage Banker License – OTN#2 – #202-0015 NMBNOW – Mortgage Banker License – OTN#3 – # 202-0016 Mortgagenow.com – Mortgage Banker License – OTN#4 -#2020-0174 fasterfi.com – Mortgage Banker License – OTN#5 – #2021-0134 Fellowship Home Loans – Mortgage Banker License – OTN#6 – #2022-0206 Own It Home Loans – NMB Home Loans, Inc. (FN) Mortgage Banker License – OTN#7 – #2022-0205 Nation’s First Mortgage – Mortgage Banker License – OTN#8 – # 2023-0198
Kansas	NMB Home Loans, Inc. (FN) Mortgage Company License # MC.0025585
Kentucky	NMB Home Loans (FN) Mortgage Company License # MC708868
Louisiana	NMB Home Loans, Inc. (FN) Residential Mortgage Lending License # 819382
Maine	Supervised Lender License – #819382
Maryland	Mortgage Lender License- #819382
Massachusetts	NMB Home Loans (FN) Mortgage Lender License #ML819382 Americasa – Mortgage Lender License OTN#1 #ML819382 NMBNOW – Mortgage Lender License OTN#2 #ML819382 Mortgagenow.com – Mortgage Lender License OTN#3 #ML819382 fasterfi.com – Mortgage Lender License OTN#4 #ML819382 First Veterans Mortgage – Mortgage Lender License OTN#5 #ML819382 Fellowship Home Loans – Mortgage Lender License OTN#6 #ML819382 Own It Home Loans – Mortgage Lender License OTN#7 #ML819382 Nation’s First Mortgage – Mortgage Lender License OTN#8 #ML819382
Michigan	1st Mortgage Broker/Lender/Servicer License – #FL0022396 2nd Mortgage Broker/Lender/Servicer Registrant – #SR0022351
Minnesota	NMB Home Loans, Inc. (FN) Residential Mortgage Originator license #MN-MO-819382 MortgageNow.com -Residential Mortgage Originator license OTN #1 – MN-MO-819382.2 First Veterans Mortgage – Residential Mortgage Originator license OTN #2 – MN-MO-819382.1 Fellowship Home Loans – Residential Mortgage Originator license OTN #3 – MN-MO-819382.3 Americasa – Residential Mortgage Originator license OTN #4 – MN-MO-819382.4 NMBNOW – Residential Mortgage Originator license OTN #5 – MN-MO-819382.5 fasterfi.com – Residential Mortgage Originator license OTN #6 – MN-MO-819382.6 Own It Home Loans – Residential Mortgage Originator license OTN #7 – MN-MO-819382.7 NMB Home Loans, Inc. (FN) Residential Mortgage Servicer License #MN-MS-819382 MortgageNow.com – Residential Mortgage Servicer license OTN #1 – MN-MS-819382.1 First Veterans Mortgage – Residential Mortgage Servicer license OTN #2 – MN-MS-819382.2 Fellowship Home Loans – Residential Mortgage Servicer license OTN #3 – MN-MS-819382.3 Americasa – Residential Mortgage Servicer license OTN #4 – MN-MS-819382.4 NMBNOW – Residential Mortgage Servicer license OTN #5 – MN-MS-819382.5 fasterfi.com – Residential Mortgage Servicer license OTN #6 – MN-MS-819382.6 Own It Home Loans – Residential Mortgage Servicer license OTN #7 – MN-MS-819382.7
Missouri	Mortgage Company License # 819382
Montana	NMB Home Loans, Inc. (FN) Mortgage Lender License # 819382 NMB Home Loans, Inc. (FN) Mortgage Broker License # 819382 NMB Home Loans, Inc. (FN) Mortgage Servicer License # 819382
Nebraska	Mortgage Banker License #819382 Nation’s First Mortgage – Mortgage Banker License OTN#2 – 819382
Nevada	Mortgage Company License # 4969
New Hampshire	Mortgage Banker License # 22702-MB
New Jersey	Residential Mortgage Lender License – #819382 NJ RMLA-Mortgage Servicer Registration – #819382
New Mexico	Loan Company License #819382
New York	Mortgage Banker License – #LMBC 109667 Reverse Mortgage HECM – #819382 Exempt Servicer license – #819382
North Carolina	Mortgage Lender License – #L-177277
North Dakota	NMB Home Loans, Inc. (FN) Residential Mortgage Lender License # ML104366 NMB Home Loans, Inc. (FN) Residential Mortgage Loan Servicer # MS104367
Ohio	Mtg. Lending Act Cert. of Registration – # RM.804328.000
Oklahoma	NMB Home Loans, Inc. (FN) Mortgage Lender License # ML011914 MortgageNow.com – Mortgage Lender License – OTN #1 – # ML011915 First Veterans Mortgage – Mortgage Lender License – OTN #2 – # ML012106 Fellowship Home Lenders – Mortgage Lender License – OTN #3 – # ML012342 Americasa – Mortgage Lender License – OTN #4 – # ML012414 NMBNOW – Mortgage Lender License – OTN #5 – # ML12454 fasterfi.com – Mortgage Lender License – OTN #6 – # ML13988
Oregon	Mortgage Lender License # ML-5673 Mortgage Servicer License – # 819382
Pennsylvania	NMB Home Loans, Inc. (FN) Mortgage Lender License # 36743 NMB Home Loans, Inc. (FN) Mortgage Servicer License # 82710
Puerto Rico	Mortgage Lender/Servicer License # IH-240
Rhode Island	Lender License # 20193735LL Loan Broker License # 20193825LB
South Carolina	NMB Home Loans, Inc. (FN) Mortgage Lender/Servicer License-OTN#1 – MLS-819382 OTN#1 Americasa – Mortgage Lender/Servicer License – OTN#2 – MLS-819382 OTN #2 NMBNOW – Mortgage Lender/Servicer License – OTN#3 – MLS – 819382 OTN #3 Own It Home Loans – Mortgage Lender/Servicer License – OTN#4 – MLS – 819382 OTN #4 Fellowship Home Loans – Mortgage Lender/Servicer License – OTN#5 – MLS – 819382 OTN #5 Lending To Heroes – Mortgage Lender/Servicer License – OTN#6 – MLS – 819382 OTN #6
South Dakota	NMB Home Loans, Inc. (FN) Mortgage Lender License # ML.05278
Tennessee	NMB Home Loans, Inc. (FN) Mortgage Lender License # ML.05278
Texas	NMB Home Loans, Inc. (FN) SML Mortgage Banker Registration # 819382
Virginia	Mortgage Lender License # MC-6834 Mortgage Broker License # MC-6834
Washington	Consumer Loan Company License # CL-819382
West Virginia	NMB Home Loans, Inc. (FN) Mortgage Lender License # ML-819382
Wisconsin	Mortgage Banker License # 819382BA Mortgage Broker License # 819382BR
Wyoming	Mortgage Lender/Broker License #3358

IDFPR – Division of Banking 100 West Randolph, 9th Floor Chicago, IL 60601 1 (312) 793-7090 Attn: OREGON APPLICANTS: RESIDENTIAL MORTGAGE LOAN SERVICERS ARE REGULATED BY THE OREGON DIVISION OF FINANCIAL REGULATION. TO FILE A COMPLAINT, CALL 866-814-9710 OR VISIT HTTP://DFR.OREGON.GOV.

• At the conclusion of the term of the reverse mortgage loan contract, some or all of the equity in the property will no longer belong to the borrower. The borrower might need to sell or transfer the property to repay the proceeds of the reverse mortgage.
• The lender charges an origination fee, a mortgage insurance premium, closing costs, or servicing fees for the reverse mortgage. The lender will add these charges to the balance of the loan.
• The balance of the reverse mortgage loan grows over time, and the lender charges interest on the outstanding loan balance.
• The borrower retains title to the property. Therefore, the borrower is responsible for paying property taxes, insurance, and maintenance-and failing to pay these amounts might subject the property to a tax lien (or other encumbrance) or to possible foreclosure.
• Interest on a reverse mortgage isn’t deductible from the borrower’s income tax return until all or part of the reverse mortgage is repaid.

Attn: TEXAS APPLICANTS: 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 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 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. *The following notice applies only to residential mortgage loans on Texas real estate: — COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TX 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 877-276-5550. A complaint form and instructions may be downloaded and printed from the Department’s website located at www.sml.texas.gov or obtained from the department upon request by mail at the address above, by telephone at its toll-free consumer hotline listed above, or by email at smlinfo@sml.texas.gov.