Legal
Disclosures.
Counsel review pending
This page is a placeholder. The sections below describe the shape of what will live here; the actual language has not been drafted by counsel yet and is not a binding statement. The real content will be reviewed and published before any production deploy.
Who we are.
- Legal name
- Family Backed Mortgage, Inc.
- NMLS ID
- 2805546
- Licensed in
- CO, TX
TODO(counsel): Add a paragraph below the table that points to the NMLS Consumer Access page for each license (https://www.nmlsconsumeraccess.org/), and clarifies the consumer-facing complaint contact path for each licensed state.
Broker disclosure.
FamilyBacked is a licensed mortgage broker; we are compensated when a loan funds.
TODO(counsel): Expand the above one-liner into the full broker disclosure required by state regulators: how we're compensated, relationships with funding lenders, conflicts disclosure, and a plain-language explanation of what “broker” means in this context. Confirm exact language against state filings.
No-guarantee disclosure.
Estimates shown anywhere on this site are not credit decisions, pre-qualifications, or pre-approvals.
TODO(counsel): Expand into a fuller disclosure: what the early-range estimate is and isn't, when the user transitions into a regulated credit-decision flow, and how that handoff is documented. Likely cross-references with the privacy notice and terms.
Equal Housing Opportunity.
Family Backed Mortgage, Inc. is committed to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation.
TODO(counsel): Confirm the wording matches HUD's recommended Equal Housing Opportunity statement and that the EHO mark placement / size meets the federal display guidelines.
Contact for complaints.
TODO(counsel): Per-state complaint contacts: state regulator name, address, phone, and the consumer's right to file a complaint. Some states (e.g., Texas) require very specific verbatim language.