Disclosures

Joint Path Mortgage LLC Disclosures

Last Updated: April 07, 2025

Joint Path Mortgage LLC is committed to transparency and compliance with federal and state regulations. Below are important disclosures about our services, licensing, and your rights as a consumer.

Licensing Information

Joint Path Mortgage LLC is a licensed mortgage broker, not a lender. We arrange mortgage loans through third-party lenders to help you find the best financing options. Our licensing details are:

  • Nationwide Multistate Licensing System (NMLS) ID: [Insert NMLS Number]
  • Connecticut: Licensed as a Mortgage Broker by the Connecticut Department of Banking. License # [Insert CT License Number].
  • Texas: Licensed as a Mortgage Broker by the Texas Department of Savings and Mortgage Lending. License # [Insert TX License Number].
  • Florida: Licensed as a Mortgage Broker by the Florida Office of Financial Regulation. License # [Insert FL License Number].

Verify our licensing at www.nmlsconsumeraccess.org.

Equal Housing Opportunity

Joint Path Mortgage LLC is an Equal Housing Opportunity broker. We do not discriminate based on race, color, religion, national origin, sex, marital status, disability, or any other protected status, in compliance with the Fair Housing Act and Equal Credit Opportunity Act.

Mortgage Advertising (Regulation Z)

Any rates, terms, or promotions mentioned on our website are subject to change and depend on factors like creditworthiness, loan amount, and market conditions. If specific rates are advertised:

  • The Annual Percentage Rate (APR) will be disclosed alongside the interest rate.
  • Additional terms (e.g., loan duration, down payment) will be provided as required.
  • Example: “Rates as low as 5% (5.25% APR) based on a 30-year fixed loan, subject to approval.”

Contact us for current rates and personalized options.

Role as a Mortgage Broker

We do not originate or fund loans directly. Instead, we work with trusted lenders to secure mortgage solutions tailored to your needs. Fees for our services, if applicable, will be disclosed in a Mortgage Broker Fee Agreement or similar document before you commit.

Consumer Complaint Process

We value your feedback. If you have a concern, please contact us first at [Insert Phone Number] or [Insert Email Address]. You may also file a complaint with the appropriate state regulator:

  • Connecticut: Connecticut Department of Banking, Consumer Complaints, 260 Constitution Plaza, Hartford, CT 06103. Phone: 1-800-831-7225. Website: www.ct.gov/dob.
  • Texas: Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Phone: 1-877-276-5550. Complaint forms: www.sml.texas.gov. Consumers wishing to file a complaint against a company or residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending.
  • Florida: Florida Office of Financial Regulation, Division of Consumer Finance, 200 E. Gaines Street, Tallahassee, FL 32399. Phone: 1-800-848-3792. Website: www.flofr.gov.

Texas-Specific Disclosures

  • Recovery Fund Notice: The Texas Department of Savings and Mortgage Lending maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators.
  • Cash-Out Refinance: If applicable, a “12-Day Notice” will be provided for Texas cash-out refinance loans as required by law.

Florida-Specific Disclosures

  • You have the right to choose your own insurance provider. We will not require you to purchase insurance through a specific company as a condition of your loan.

Contact Information

  • Joint Path Mortgage LLC
  • [Insert Physical Address]
  • Phone: [Insert Phone Number]
  • Email: [Insert Email Address]

Updates to Disclosures

We may update these disclosures as regulations or our practices change. Check back periodically for the latest information.