Branch Licenses

Wooster, OH Branch

347 West Milltown Road, Suite D. Wooster OH 44691

Branch NMLS: 1275968

AZ- MLO 0120010

MA- MLO 3094

OH- SM.501914.008 // MB.802748.053

Cincinnati, OH Branch

4015 Executive Park Drive, Suite 406 Cincinnati OH 45241

Branch NMLS: 1379008

OH- SM.501914.010 // MB.802748.055

Kalamazoo, MI Branch

6997 W Q Ave, Suite A Kalamazoo MI 49009

Branch NMLS: 3094

OH- LO.002092.000 // MLO.002092.000

New Lexington Location

2465 Panther Drive N.E. Suite A New Lexington, OH 43764

Branch NMLS: 1565079

OH- SM.501914.013 // MB.802748.058


Arizona- Arizona Department of Financial Institutions 0902614. MLO 0937034

California- Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act 4130403.

Colorado: Regulated by the Division of Real Estate

Connecticut- Connecticut Department of Banking, Mortgage Lender 8750.

Florida- Florida Office of Financial Regulation MLD646.

Georgia- Department of Banking and Finance 6521. MLO 38641

Hawaii- Hawaii Department of Commerce and Consumer Affairs Division of Financial Institutions HI-3094.

Illinois- Department of Financial and Professional Regulation, Division of Banking MB.6759669. (

Iowa- Iowa Division of Banking #2011-0168

Kansas- Office of the State Bank Commissioner SL.0000524. MLO 0032935.

Kentucky- Department of Public Protection the Office of Financial Institutions, #MC23741

Massachusetts- Licensed by the Massachusetts Division of Banks as a Broker and Lender as #MC3094. MLO 457573

Michigan- Department of Insurance and Financial Services FR0017172 Second Lien License SR0975

Minnesota- Minnesota Department of Commerce, MN-MC-3094.1

Missouri- Missouri Division of Finance

New Jersey- New Jersey Department of Banking and Insurance

North Carolina- North Carolina Commissioner of Banks L-112833

Ohio- Ohio Department of Commerce Division of Financial Institutions, #MB.802748.000

Oregon- Department of Consumer & Business Services Division of Finance and Corporate Securities, #ML-1729

Pennsylvania- Pennsylvania Department of Banking 23206

Tennessee- Department of Financial Institutions 109282

Texas- This office is licensed and examined by the Office of Consumer Credit Commissioner of the State of Texas.

Virginia- Bureau of Financial Institutions: MC-2248 Broker MC-2248 NMLS # 3094 (

Washington- Department of Financial Institutions CL-3094 (

Wisconsin-Department of Financial Institutions Department of Banking 43896BA


Reverse Mortgage Program-

At the conclusion of the term of the reverse mortgage contract, some or all of the equity in the property of the reverse mortgage no longer belongs to the borrower. The borrower may need to sell or transfer the property to repay the proceeds of the reverse mortgage from the proceeds of the sale or transfer, or the borrower must repay the reverse mortgage with interest from other assets. The lender will charge an origination fee, a mortgage insurance premium, closing costs, or servicing fees for the reverse mortgage. All or any of these may be added to the balance on the reverse mortgage loan. The balance grows over time, and the lender charges interest on the outstanding loan balance. The borrower retains title to the property that is the subject of the reverse mortgage until the borrower sells or transfers the property. Therefore, this individual is responsible for paying property taxes, insurance, maintenance and related taxes. Failure to pay these amounts may cause the reverse mortgage loan to become immediately due and may subject the property to a tax lien, other encumbrance, or possible foreclosure. Interest on a reverse mortgage is not deductible from income tax returns until all or part of the reverse mortgage loan is repaid.