Disclosures and Licenses

Welcome to Modern Home Loans

Modern Home Loans Disclosures and License Information

T2 Financial LLC dba Modern Home Loans is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government.

All loans subject to underwriting approval. Certain restrictions apply. Call for details.

Modern Home Loans 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 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, DC, 20580.

Modern Home Loans State Disclosure Requirements

Modern Home Loans is a licensed mortgage lender. *The following states require disclosure of licensing information. * (If your state is not listed, it doesn’t require a specific license disclosure):

Arizona – Arizona Department of Financial Institutions, Mortgage Banker License #1004101
California – Licensed by Dept. of Business Oversight, under the CA Residential Mortgage Lending Act and Finance Lenders Law, License #60DB091811
Colorado – NMLS #1686046, Regulated by the Division of Real Estate.
Florida – MLD1732, FL Division of Financial Institutions
Illinois Residential Mortgage Licensee #MB.6761439 – Division of Banking
Indiana – DFI, License# 42531, IN division of Financial Institutions
Kentucky – License #MC717013, Kentucky Department of Financial Institutions
Maryland – Maryland Division of Finance, Commissioner of Financial Regulation, License # 5357.
Michigan – FL0022038, Michigan Department of Insurance and Financial Services
Minnesota – MN-MO-1686046, Minnesota Department of Commerce Financial Institutions Division
North Carolina – License# L-186537, NC Commissioner of Banks
Ohio – Ohio Department of Commerce, Division of Financial Institutions RM.804358
Pennsylvania – Licensed by the Department of Banking –License #70139
South Carolina – BFI – SC Board of Financial Institutions – MLS 1686046
Tennessee – Tennessee Department of Financial Institutions, Tennessee Mortgage License # 174611
Texas – Department of Savings and Mortgage Lending, SML Mortgage 1686046
Virginia – Bureau of Financial Institutions, License # MC-6995
Washington – Washing Department of Financial Institutions, Consumer Loan Company License, CL-1686046
West Virginia – Wester Virginia Division of Banking, MB-38217
Wisconsin – Wisconsin Department of Financial Institutions, License #: 1686046BA
Modern Home Loans NMLS: 1686046

Visit the NMLS access page for more information.

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.