Licensing & Legal
© 2025 TruRate Mortgage / TruRateAdvantage.com is a Consumer-Direct Division of Lending3 Inc.,
a wholesale lender.
NMLS # 245420
TruRate Mortgage
17220 Newhope St. Suite 212
Fountain Valley, CA 92708
Direct: (949) 381-1314
NMLS # 245420
When inquiring about a financial product or service on this site, this is not a loan application. This is not an offer to lend and we are not a lender or affiliated with your current mortgage servicer. Upon the completion of your inquiry, we will work hard to match you with individuals or businesses who may assist you with additional information or loan product eligibility requirements for your individual situation and the loan application process.
Lenders will commonly require you to provide additional information such as a valid social security number and submit to a credit check if proceeding to apply for a loan product. Minimum credit ratings may factor into qualification for some products. In the event that you do not qualify for a credit rating based on the required minimum credit rating, a lender may or may not introduce you to a credit counseling service or credit improvement company that may or may not be able to assist you with improving your credit for a fee. Additionally, any loan product that a lender may offer you will carry fees or costs including closing costs, origination points, and/or refinancing fees.
If you do not agree to our terms and policies, then please leave this site immediately. By submitting your contact information on this site, you expressly give permission and consent to contact you through automated means. Your consent is not a condition, directly or indirectly of a purchase. If you submit your mobile number on this website you agree to receive marketing-based text messages. Consent is not required for purchase. You will receive up to 4 recurring messages per month. Standard message and data rates may apply.
This site is in no way affiliated with any news source or government organization and is not a government agency. This site is not affiliated with HUD, FHA, VA, FNMA or GNMA. This site may contain affiliate and partner links. This website and the company that owns it are not responsible for any typographical or photographic errors.
Contents of this website are copyrighted property of the owner of this website. All trademarks, logos, and service marks (collectively the "Trademarks") displayed are registered and/or unregistered Trademarks of their respective owners.
© 2021 TruRateAdvantage.com is not a government agency.
State Licenses
STATE LICENSESHUD/FHA Title 2 Lender ID # 27228-00007
VA Lender ID # 900855-00-00
Arkansas-Combination Mortgage Banker & Broker License #120846
Alabama License Consumer Credit- #22800
Arizona Mortgage Banker License - #0940850
California Bureau of Real Estate Corporation License - #01780370
California DFPI lender license # 603A922
Colorado Mortgage Banker License - #245420
Idaho Mortgage Lender License - MBL-#2080245420
Illinois Residential Mortgage Licensee - #MB-6761100
Florida Mortgage Banker License - #MLD1179
Georgia Mortgage Banker License - #45355
Maryland Mortgage Loan Originator Company License - # 22707
Michigan 1st Mortgage Broker/Lender License - # FL0023268
Oregon Mortgage Lending License - #ML5584
Ohio Mortgage Lending License License #RM804752.000
Pennsylvania Mortgage Lender License - #82822
Tennessee Mortgage License - #245420
Texas SML Mortgage Banker Registration
Utah Wholesales Mortgage Banker Registration
NMLS Consumer Access: www.nmlsconsumeraccess.org
For Texas Only
"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. "
For Illinois Only
James R. Thompson Center, IDFPR-Residential Mortgage Banking, 100 W. Randolph, 9th Floor, Chicago, Illinois, 60601 All Inquiries: 1-888-473-4858TYY: 1-866-325-4949
Office:
Call 760-490-4094
Email: bstacy@trurateadvantage.com
Site: trurateadvantage.com
Copyright 2025 • All rights reserved TruRateAdvantage.com is not a government agency
States We Service
Alabama
Arizona
Arkansas
California
Colorado
Florida
Idaho
Illinois
Utah
Maryland
Michigan
Ohio
Oregon
Pennsylvania
Texas
Tennessee
Georgia
© 2025 TruRate Mortgage /TruRateAdvantage.com is an Equal Opportunity Lender and not a government agency.
TruRate Mortgage /TruRateAdvantage.com are Consumer-Direct Division of Lending3 Inc.,
a wholesale lender.
NMLS # 245420
NMLS Consumer Access: www.nmlsconsumeraccess.org
A pre-approval does not constitute a loan commitment or guarantee of a loan. Pre-approval is subject to a satisfactory appraisal, satisfactory title search, and no meaningful change to borrower's financial condition. This is not an offer for nor extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice. The content in this advertisement is for informational purposes only. Products not available in all areas. 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. Lending 3 and TruRate Advantage are Equal Housing Lenders.