Licensing Statement
Effective Date: March 2026
SmartLoanSavings.com is an independent, informational, and referral‑based mortgage resource. We are not a lender, broker, or financial institution, and we do not engage in mortgage origination activities.
All mortgage‑related services are performed exclusively by licensed mortgage professionals within our partner network. Any loan terms, disclosures, fees, or qualification requirements are provided directly by the licensed lender or mortgage professional you are connected with.
SmartLoanSavings.com does not:
- Take mortgage applications
- Issue Loan Estimates or Closing Disclosures
- Perform credit checks
- Make credit decisions
- Underwrite or fund loans
- Charge consumers any fees
Licensing & Regulatory Compliance
All mortgage professionals receiving consumer information through SmartLoanSavings.com are required to:
- Hold active state and federal mortgage licenses
- Comply with all applicable federal and state lending laws
- Provide required disclosures directly to the consumer
- Follow Equal Housing Opportunity and Fair Lending regulations
SmartLoanSavings.com is not required to hold a mortgage license because we do not perform any activities that constitute mortgage origination under federal or state law.
If you have questions regarding licensing or regulatory compliance, contact:
Info@SmartLoanSavings.com