Advertising & Marketing Compliance
Any rate, payment or term you see in HomyLoan marketing is an example, not an offer of credit. HomyLoan, LLC is a mortgage broker, not a lender, and every loan is subject to credit approval, property review and the lender's program guidelines.
- Licensed mortgage broker
- Company NMLS 2783307
- Equal Housing Opportunity
Our commitment
Honest, Transparent, and Accurate Messaging
All HomyLoan advertising and marketing materials follow federal and state regulations. Our communication is designed to be clear, truthful, and helpful—not misleading.
We aim to educate borrowers, set clear expectations, and promote trust through transparency.
Our standards include:
- Accurate representation of rates, terms, and loan options
- Required disclosures included in all ads
- No deceptive or exaggerated claims
- Full compliance with mortgage advertising laws
What the law requires
The rules for mortgage advertising
Mortgage ads are regulated by the Truth in Lending Act (Regulation Z), the Mortgage Acts and Practices Advertising Rule (Regulation N), the Fair Housing Act and state licensing rules. The CFPB, the FTC and the Texas SML can act on misleading ads.
Rates come with an APR
If an ad states an interest rate, it must also state the annual percentage rate (APR), which reflects certain fees as well as interest, at least as prominently.
Trigger terms need full details
Mentioning a down payment, a payment amount or a number of payments triggers more disclosures: the down payment, the repayment terms and the APR.
No misleading claims
Ads can't misstate rates, fees, government affiliation, or call a loan "fixed" when the rate can change.
License and fair housing
Ads should identify the licensed company and its NMLS ID, and show the Equal Housing Opportunity statement.
What it means for you
How to read our rates and ads
- Example rates assume a specific credit score, loan amount, down payment and property type. Your rate may be higher or lower.
- Rates change daily and aren't locked until you apply and lock with the lender.
- Your Loan Estimate, not an ad, is the document that shows your actual terms and costs.
- Calculator results are estimates for planning only, not a loan approval or an offer.
How HomyLoan follows it
What you'll see in our marketing
- Our company name, HomyLoan, LLC, and Company NMLS ID 2783307.
- A clear statement that we're a mortgage broker who works with wholesale lenders, not a direct lender.
- "Subject to credit approval" and "not all applicants will qualify" wherever we mention programs or rates.
- The Equal Housing Opportunity statement and logo.
If something goes wrong
How to file a complaint
If you think a mortgage ad was misleading, you can report it to the CFPB or the FTC. Ads by Texas-licensed mortgage companies and loan originators can also be reported to the Texas SML.
Consumer Financial Protection Bureau (CFPB)
The federal agency for mortgage complaints, including disclosures, credit discrimination and loan originator conduct. The CFPB forwards complaints to the company and tracks the response.
consumerfinance.gov/complaintFederal Trade Commission (FTC)
Report fraud, scams and identity theft. If your identity was stolen, IdentityTheft.gov walks you through a recovery plan.
reportfraud.ftc.govTexas Department of Savings and Mortgage Lending (SML)
The state regulator that licenses residential mortgage loan originators and mortgage companies in Texas. Its website has the consumer complaint form and instructions.
sml.texas.govAdvertising FAQs
No. An advertised rate is an example based on stated assumptions. Your actual rate depends on your credit, loan amount, down payment, property and the lender's approval.
No. HomyLoan, LLC is a licensed mortgage broker (Company NMLS 2783307). We compare programs from wholesale lenders, and the lender you choose funds the loan.
The interest rate is the cost of borrowing the loan amount. The APR also includes certain fees, such as points and some lender charges, so it's usually higher and better for comparing offers.
The NMLS ID lets you look up the company's or loan officer's license on NMLS Consumer Access. Licensing rules call for it in mortgage advertising.
It means no one is approved from an ad or a quote. The lender must review your application, credit, income and property before it makes a decision.
Related policies
More on how we protect borrowers
- Equal Credit Opportunity ActCredit decisions based on finances, not personal traits.
- Fair Housing ActNo discrimination in housing or mortgage transactions.
- Fair lendingHow federal fair lending laws work together.
- Dodd-Frank ActThe CFPB, Ability-to-Repay and loan originator rules.
- State laws and regulationTexas licensing and home equity rules.
- Data privacy and securityYour privacy rights and how to avoid wire fraud.
- About HomyLoanWho we are and how we work as a mortgage broker.
- NMLS Consumer AccessVerify Company NMLS ID 2783307.
Licensing and trust
Licensed, and easy to verify
HomyLoan, LLC is a licensed mortgage broker, Company NMLS ID 2783307. You can confirm our license status at any time on NMLS Consumer Access, the official public lookup run by the Nationwide Multistate Licensing System.
License details
Public record on NMLS Consumer Access
- Legal name
- HomyLoan, LLC
- License type
- Mortgage broker
- Company NMLS ID
- 2783307
- Individual NMLS ID
- 2658032
Equal Housing Opportunity. We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act.
Questions?
Ask a licensed loan officer
If something about your loan or your rights isn't clear, ask us. We'll explain it in plain language or point you to the right agency.
This page is general information, not legal advice.