Licensing & Disclosures
The Mortgage Advisory, Inc. is a mortgage banker and broker licensed in California, Texas, Florida, and Colorado, NMLS #1549739. Founded by Ace Ausar, a mortgage banker with 25+ years in real estate and lending. We lend directly on conventional, VA, and Non-QM loans (in Florida, where we're licensed as a mortgage broker, all loans are arranged through approved lenders), and we arrange FHA loans, reverse mortgages (HECM and proprietary, including second-lien reverse mortgages), and HELOCs through approved partner lenders as your mortgage broker. We offer home purchase loans, refinancing, HELOCs and home equity access, reverse mortgages, and debt consolidation using cash-out refinances, HELOCs, or reverse mortgage seconds. We always tell you upfront who your lender is and how we're paid.
Company
The Mortgage Advisory, Inc. · NMLS #1549739 · Look us up on NMLS Consumer Access
999 Corporate Drive, Ste 100, Ladera Ranch, CA 92694 · (949) 649-4499 · Ace@TheMortgageAdvisory.com
State licenses
California
Regulator: California Department of Financial Protection and Innovation (DFPI)
License: DFPI California Financing Law (CFL) License · #60DBO-157752
Loans made or arranged pursuant to a California Financing Law license.
Texas
Regulator: Texas Department of Savings and Mortgage Lending (SML)
License: SML Mortgage Company License · NMLS #1549739
TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.
Florida
Regulator: Florida Office of Financial Regulation (OFR)
License: Mortgage Broker License · #MBR5368
In Florida, The Mortgage Advisory, Inc. is licensed as a mortgage broker and arranges loans through approved lenders.
Colorado
Regulator: Colorado Division of Real Estate
License: Mortgage Company Registration · NMLS #1549739
Regulated by the Colorado Division of Real Estate.
Affiliated businesses
The Home Advisory
Real estate brokerage · California DRE #02020987 · Broker: Ace Ausar, California DRE broker #01354506 · Serves: California
Affiliated business disclosure: The Mortgage Advisory, Inc. and The Home Advisory, a real estate brokerage (California DRE #02020987), are under common ownership. Because of this relationship, a referral to The Home Advisory may provide The Mortgage Advisory or its owner a financial or other benefit. You are not required to use The Home Advisory to get a loan from us, and you are free to choose any real estate agent or brokerage. If we refer you, you'll receive a written Affiliated Business Arrangement Disclosure at that time.
Lender or broker?
We are the direct lender on conventional, VA, and Non-QM loans, except in Florida, where we are licensed as a mortgage broker and arrange all loans through approved lenders. FHA loans, reverse mortgages, and HELOCs are arranged through approved partner lenders, with The Mortgage Advisory acting as mortgage broker. Your Loan Estimate shows who your lender is and how we are paid. See costs and how we're paid.
Equal Housing Lender. We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act.