#2 Are you a state licensed mortgage
Although ALL mortgage loan officers and many who just come in contact with mortgage loan applications have a unique NMLS number, only state licensed mortgage loan officers are required to complete not only pre-licensing but on-going continuing education.
Additionally, state licensed loan officer in North Carolina are subjected to ongoing yearly credit and criminal background certifications. Often time’s loan officers who are ineligible for a state mortgage loan officer’s license can go right down the street the corner bank and get hired. Which would you prefer handling your sensitive information?