Fusion Home Loans, LLC Nationwide Mortgage Licensing System Number 2703121.
Toll Free Number: (866) 383-8447
Fusion Home Loans Legal Disclosures and License Information
It is Fusion Home Loans, LLC policy to comply with the Equal Credit Opportunity Act and the Fair Housing Act. In addition, it is Fusion Home Loans, LLC policy to comply with state laws that provide greater protection. Fusion Home Loans, LLC is an Equal Housing Lender, and does not engage in business practices that discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or Servicemembers Civil Relief Act (SCRA); that all or part of a consumer’s income derives from a public assistance program; or any other basis prohibited by law. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.
State Disclosure Requirements
Fusion Home Loans, LLC is a licensed mortgage lender in the following states:
| States | Agency | License Information | License Name | License Number |
|---|---|---|---|---|
| Alabama | Alabama State Banking Department | Fusion Home Loans, LLC NMLS #2703121 | Consumer Credit License | 2703121 |
| California | Department of Financial Protection and Innovation (DFPI) | Licensed by the Department of Financial Protection and Innovation under the California Finance Law | License No. TBD | DFPI California Finance Law License | Pending |
| District of Columbia | Department of Insurance, Securities, and Banking | Fusion Home Loans, LLC NMLS #2703121 | Dual Mortgage License | MLB2703121 |
| Florida | Office of Financial Regulation | Mortgage Lender Servicer License | License No. MLD2679 | Mortgage Lender Servicer License | MLD2679 |
| Georgia | Department of Banking and Finance | Georgia Residential Mortgage Lender Licensee | License No. 2703121 | 1071 W Morse Blvd, Winter Park, FL 32789 | Mortgage Lender License | 2703121 |
| Idaho | Department of Finance | Mortgage Broker/ Lender License MBL-2082703121 | Mortgage Broker/Lender License | MBL-2082703121 |
| Illinois | Department of Financial and Professional Regulation | Illinois Residential Mortgage Licensee | License No. MB.6850253 | Illinois Department of Financial and Professional Regulation, Division of Banking – James R. Thompson Center, 555 W. Monroe, Suite 500 Chicago, IL 60661 | 1+ (888) 473-4858 | Fusion Home loans Main Office: 1071 W Morse Blvd, Winter Park, FL 32789 | Residential Mortgage License | MB.6850253 |
| Louisiana | Office of Financial Institutions | Fusion Home Loans, LLC NMLS #2703121 | Residential Mortgage Lending License | |
| Maine | Department of Professional and Financial Regulation | Fusion Home Loans, LLC, Supervised Lender License NMLS #2703121 | License No. 2703121 | Supervised Lender License | 2703121 |
| Maryland | Commissioner of Financial Regulation | Fusion Home Loans, LLC NMLS #2703121 | Mortgage Lender License | 2703121 |
| Michigan | Office of Financial and Insurance Services | Fusion Home Loans, LLC NMLS #2703121 | 1st Mortgage Broker/Lender License | FL0026644 |
| Michigan | Office of Financial and Insurance Services | Fusion Home Loans, LLC NMLS #2703121 | 2nd Mortgage Broker/Lender Registration | SR0026645 |
| Ohio | Department of Commerce | Fusion Home Loans, LLC NMLS #2703121| Ohio Residential Mortgage Lending Act Certificate of Registration RM.805454.000 | Mortgage Loan Act Certificate of Registration | RM.805454.000 |
| Oklahoma | Department of Consumer Credit | Fusion Home Loans, LLC NMLS #2703121 | Mortgage Lender License | ML017565 |
| South Carolina | State Board of Financial Institutions | Fusion Home Loans, LLC NMLS #2703121 | BFI Mortgage Lender/Servicer License | MLS – 2703121 |
| Tennessee | Department of Financial Institutions | Fusion Home Loans, LLC NMLS #2703121 | Mortgage License | 2703121 |
| Texas | Department of Savings and Mortgage Lending | Fusion Home Loans, LLC NMLS #2703121 | 1071 W Morse Blvd, Winter Park, FL 32789 | Texas – SML Mortgage Company License | SML Mortgage Company License |
Texas State Specific
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.
Fusion Home Loans, LLC Affiliated Businesses
Acrisure Mortgage, LLC
Acrisure MP, LLC
Pre-Approval Disclosure
*“Pre-Approval” means an automated underwriting system approval (conditional approval) based upon credit information supplied by applicant and subject to Fusion Home Loans, LLC’s review of loan documents. Not all applicants will be approved.
Information regarding risks of reverse mortgages:
- A reverse mortgage is a loan that must be repaid
- Circumstances under which payments or access to a line of credit may end or a consumer would be required to repay a reverse mortgage during the consumer’s life (e.g., the borrower sells the home)
- Foreclosure may occur if the consumer (1) lives somewhere other than the home longer than allowed by the loan agreement; or (2) does not pay property taxes or insurance premiums
- Consumers must make payments for taxes and insurance during the term of the reverse mortgage
- Reverse mortgage costs may vary and less expensive options may be available
- A reverse mortgage may affect eligibility for some government programs. Specifically, SSI and Medicaid may be affected.
- In order to retain the home when the reverse mortgage becomes due that (1) the consumer or the consumer’s heirs or estate must pay the entire loan balance and (2) the balance may be greater than the value of the consumer’s home.
