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Licensing Information

FHALoans101.com is proudly managed by Victor Emmel, a dedicated FHA Loan Expert and licensed Mortgage Loan Originator committed to delivering fair, ethical, and transparent mortgage solutions. As an Equal Housing Opportunity professional, I uphold the highest standards of integrity to help you achieve your homeownership goals.
 
In compliance with federal law, I adhere to non-discrimination policies and do not discriminate based on race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), source of income, or the good faith exercise of rights under the Consumer Credit Protection Act.
 
Individual Licensing Details:
Victor Emmel | Mortgage Loan Originator
NMLS #133605 | Verify my credentials at NMLS Consumer Access

State Licensing & Mortgage Company Sponsorship
Individual state licensing and mortgage lender company sponsorship details are listed below:

Individual license regulated through: California – DFPI  | License ID: CA-DOC133605

Mortgage Company Sponsorship through: 

Coast2Coast Mortgage, LLC | NMLS ID: 376205 | NMLS Consumer Access

California – DFPI | License ID: 60DBO-139024

Coming Soon

Individual license regulated through: Idaho Department of Finance| License ID: MLO-2080133605

Mortgage Company Sponsorship through: 

Coast2Coast Mortgage, LLC | NMLS ID: 376205 | NMLS Consumer Access

Idaho Department of Finance | License ID: MBL-2080376205

Individual license regulated through: Oregon Division of Financial Regulation | License ID: 133605

Mortgage Company Sponsorship through: 

Coast2Coast Mortgage, LLC | NMLS ID: 376205 | NMLS Consumer Access

Oregon Division of Financial Regulation | License ID: 376205

Individual license regulated through: TX Department of Savings and Mortgage Lending

Mortgage Company Sponsorship through: 

Coast2Coast Mortgage, LLC | NMLS ID: 376205 | NMLS Consumer Access

TX Department of Savings and Mortgage Lending

DISCLAIMERS:
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 a certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originator. 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.

Principle Lending Manager license regulated through: Utah Division of Real Estate | License ID: 5492553

Mortgage Company Sponsorship through: 

Good Way Mortgage LLC | NMLS ID: 2235920 | NMLS Consumer Access

Utah Division of Real Estate | License ID: 12527562

Individual license regulated through:

Washington State Department of Financial Institutions | License ID: MLO-2080133605

Mortgage Company Sponsorship through: 

Coast2Coast Mortgage, LLC | NMLS ID: 376205 | NMLS Consumer Access

Washington State Department of Financial Institutions | License ID: MLO-133605