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Mortgage Broker Licensing

AAXA Mortgage Licensing

The mortgage industry is regulated by the government at the federal and state level. These government agencies work to protect you, the consumer, from being taken advantage of. At AAXA Discount Mortgage we appreciate this regulation that protects the best interests of our customers, and are committed to 100% compliance with all licensing requirements and regulations, in addition to upholding our own corporate values and code of ethics.

Mortgage Licensing requirements vary greatly from state to state but most often include:

requiring loan advisors to take a course on origination and pass an exam to prove they have learned the required material before being issued a license

requiring loan advisors to submit to a criminal background check

requiring loan advisors to complete continuing education courses each licensing period (usually every one or two years) so that they keep up to date on changing regulations

requiring the company to prove a minimum net worth, and obtain a surety bond

requiring that the company complete an annual report detailing the business conducted in the state the previous year

requiring that the company participate in periodic mortgage license audits of their business activity to ensure it is complying with all state and federal laws and regulations relating to mortgage broker licensing

require that loan advisors and the company pay licensing fees to cover the cost of the state agency’s oversight of the industry

When shopping for a mortgage make sure that you are working with a licensed mortgage broker or lender to ensure that you receive the service you deserve. Please see below for a list of the mortgage broker licenses held by AAXA Discount Mortgage. We are actively expanding our footprint and have begun the licensing process for a number of additional states. Please check back regularly to see the states we are doing business in as we grow.