GUARDIAN MORTGAGE INC LICENSES
NMLS Unique Identifier: 198299
NMLS Consumer Access Site: www.nmlsconsumeraccess.org
VA Approved Lender ID: 6801990000, By Department of Veterans Affairs
FHA Approved Lender ID: 2713400001, By Department of HUD
STATE LICENSES
Virginia (VA) – License Number MC-4257, Licensed as a Mortgage Broker by the Virginia State Corporation Commission
Maryland (MD) – Registration No. 23017, Licensed as a Mortgage Lender by the Commissioner of Financial Regulation,
District of Columbia (DC)-License # MLB198299, Licensed as a Mortgage Lender by District of Columbia
NON-LICENSING REQUIRED STATES
These states do not require us to be licensed if the loans fall outside of the traditional (QM) loan guidelines.
These types of loans are Debt service coverage ratio (DSCR) loans and specifically designed for property investors.
DSCR loans are an advantageous alternative to traditional home loans. You don’t have to go through the traditional loan qualification process and have much more flexible underwriting terms.
With traditional home loans, your income, assets, and employment are used to determine if you’re an eligible borrower. With DSCR loans, your eligibility is based on your DSCR, which is the ratio of monthly rental income to monthly mortgage payment. You don’t have to provide proof of income or employment history verification for DSCR loans in Virginia.
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