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LICENSES & DISCLOSURES

The Wisdom Companies, LLC
2200 Pacific Coast Highway
Suite 312
Hermosa Beach, CA 90254
Phone: 310-937-8686
Fax: 310-868-2764

This site is operated by The Wisdom Companies, LLC. a California Limited Liability Company with its corporate headquarters in Hermosa Beach, California (“Wisdom“).  Consumers, Brokers and Lenders should rely on their own judgment in deciding which available loan product best suits their needs and financial means. Consumers are not charged a fee to use Wisdom services and are under no obligation to use Wisdom to commence the financing process and Wisdom does not guarantee that completing a loan quote request will result in your receiving a loan from a Lender. Wisdom receives its compensation from the Lenders for the goods, facilities and services actually provided by Wisdom.

Wisdom does not endorse, warrant or guarantee service or products of any lender or broker and does not guarantee and makes no representation regarding any rates, points and loan programs offered or advertised by lenders and brokers. All information is subject to change without notice. Wisdom shall not be responsible or liable for any products, services, information or other materials displayed, purchased, or obtained by consumers from our lender partners, including, without limitation, any agent referrals, loan recommendations, application, approval, pre-qualification, loan or interest rate analysis. Nothing on this web site contains an offer, promise or otherwise, either to make a specific loan or that any participating lender or broker will make any loan for any purpose or on any specific terms.

The loan quote request a consumer submits is NOT an application for credit. Rather, it is a request for a loan quotation.

The Wisdom Companies, LLC currently holds the following state licenses:


ARIZONA

Arizona State Banking Department - Mortgage Broker License No. MB-0908386; Branch License No. MBBR-0112004


CALIFORNIA

FINANCE LENDER LICENSE 603D002

CALIFORNIA HOLDEN ACT - FAIR LENDING NOTICE

THE HOUSING FINANCIAL DISCRIMINATION (HOLDEN) ACT OF 1977 -- FAIR LENDING NOTICE IT IS ILLEGAL TO DISCRIMINATE IN THE PROVISION OF OR IN THE AVAILABILITY OF FINANCIAL ASSISTANCE BECAUSE OF THE CONSIDERATION OF: (i) TRENDS, CHARACTERISTICS OR CONDITIONS IN THE NEIGHBORHOOD OF GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMODATION, UNLESS THE FINANCIAL INSTITUTION CAN DEMONSTRATE IN THE PARTICULAR CASE THAT SUCH CONSIDERATION IS REQUIRED TO AVOID AN UNSAFE AND UNSOUND BUSINESS; OR (ii) RACE, COLOR, RELIGION, SEX, MARITAL STATUS, NATIONAL ORIGIN OR ANCESTRY. IT IS ILLEGAL TO CONSIDER THE RACIAL, ETHNIC, RELIGIOUS OR NATIONAL ORIGIN COMPOSITION OF A NEIGHBORHOOD OR GEOGRAPHICAL AREA SURROUNDING A HOUSING ACCOMMODATION OR WHETHER OR NOT SUCH COMPOSITION IS UNDERGOING CHANGE, OR IS EXPECTED TO UNDERGO CHANGE, IN APPRAISING A HOUSING ACCOMMODATION OR IN DETERMINING WHETHER OR NOT, OR UNDER WHAT TERMS AND CONDITIONS, TO PROVIDE FINANCIAL ASSISTANCE. THESE PROVISIONS GOVERN FINANCIAL ASSISTANCE FOR THE PURPOSE OF THE PURCHASE, CONSTRUCTION, REHABILITATION OR REFINANCING OF ONE-TO-FOUR UNIT FAMILY RESIDENCES OCCUPIED BY THE OWNER AND FOR THE PURPOSE OF THE HOME IMPROVEMENT OF ANY ONE-TO-FOUR UNIT FAMILY RESIDENCE. IF YOU HAVE QUESTIONS ABOUT YOUR RIGHTS, OR IF YOU WISH TO FILE A COMPLAINT, CONTACT THE DEPARTMENT OF REAL ESTATE 2201 BROADWAY P.O. BOX 187000 SACRAMENTO, CA 95808-7000


CONNECTICUT

Connecticut First Mortgage Broker License No. 18651
Connecticut Second Mortgage Broker License No. 18652


FLORIDA

FLORIDA CORRESPONDENT MORTGAGE LENDER, LICENSE NO. CL 0600481


MASSACHUSETTS

Massachusetts Mortgage Broker License No. MB-4667


NORTH DAKOTA

North Dakota Money Broker License No. MB 101471


OREGON

Oregon Mortgage Broker License No. ML-4365


The Wisdom Companies, LLC has received Mortgage Broker License exemptions in the following states:

Kentucky, Texas



 
 
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