Licensing & Verification
Every claim on this page can be checked by you, tonight, for free. That is the point of the NMLS system, and we want you to use it.
New Century Financial Mortgage, LLC
The company behind JumboLoan.com is New Century Financial Mortgage, LLC, NMLS #1967971. It is licensed for consumer mortgage lending in Florida.
Florida licensing comes from the Florida Office of Financial Regulation.
This site does not offer consumer home loans outside our licensed state. Investor and commercial deals — business-purpose lending — can run in most U.S. states where permitted, case by case.
Michael Williamson, NMLS #1940456
Loan originators carry their own license on top of the company license. Michael Williamson holds NMLS #1940456 and is the licensed originator behind this site's guides and files.
That number appears in author boxes across the site. It is not decoration. It is the thread you can pull to verify everything.
Company and person get checked as a pair. The firm holds the state licenses. The person holds the right to work under them. Both must be current for a file to run.
Two minutes on NMLS Consumer Access
Open nmlsconsumeraccess.org. Type 1967971 for the company or 1940456 for Michael. Press search.
You will see the legal name, the license states, and the history. If anyone in this industry hesitates when you ask for their NMLS number, treat that as your answer.
The two-minute check, spelled out
Here is the whole check, start to end. Open your browser. Go to nmlsconsumeraccess.org. Type the number in the search box. Use 1967971 for the firm. Use 1940456 for Michael. Press enter.
Now read the page. Check the name. Check the states. Check that the license is active today. That is it. You just did what most buyers never do.
Run this check on anyone who wants your loan file. The good ones will be glad you did. The bad ones will change the subject.
Why the system exists
Licensing means testing, continuing education, background checks, and a regulator with the power to act. It gives you a place to complain that companies cannot ignore.
It also means renewals. Licenses are not trophies; they lapse when standards slip. A current license is an ongoing test, passed again every year.
It also draws a clean line. Educational content, like this site's guides, teaches how programs work. A licensed conversation is where your actual loan gets structured. Both matter. Only one is personal advice.
Where the formal language lives
The formal notices — Equal Housing Opportunity and state licensing statements — appear in the footer of every page on this site.
Quick answers
Are you affiliated with a government agency?
No. We are a private, licensed mortgage broker. The site is not endorsed by any government body.
Where can I complain if something goes wrong?
Start with us — most issues die fast in daylight. Beyond that, the Florida Office of Financial Regulation handles consumer inquiries and complaints.
Do the guides create a client relationship?
No. Reading is free and obligation-free. A relationship starts when we take your scenario and you agree to work together.
Where are you licensed?
We are licensed for consumer lending in Florida. Investor deals and business-purpose financing travel further under commercial lending rules.
