Licensing & Disclosures

Effective October 19, 2026

Licensing

Anthony Rega is a mortgage loan originator, NMLS ID 399203, sponsored by and originating loans through Loan Factory, Inc. (NMLS 320841). "loanfactory.io" is a trade name used by Anthony Rega. You can check licenses at NMLS Consumer Access. Licensed in: CA, GA, NJ, PA, TX. My NMLS record · Loan Factory NMLS record.

Real estate: Anthony Rega is a real estate salesperson affiliated with Real Broker, LLC. License # [TO BE ADDED], state [TO BE ADDED].

Insurance: Insurance products are offered through MySurance LLC. Producer/agency license # [TO BE ADDED]. Mortgage, real estate and insurance services are separate; you are not required to use one to get another.

Not an offer to lend

Nothing on our sites is an offer to lend, a loan commitment, or a rate lock. Rates, APRs, payments, and calculator results are examples only and change without notice. Payment examples may not include taxes and insurance, so your actual payment may be higher. All loans are subject to credit approval, underwriting, property eligibility, and lender guidelines. Not all applicants or properties will qualify.

Equal Housing Opportunity and fair lending

We follow the Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex (including sexual orientation and gender identity), marital status, age (if you are old enough to sign a contract), familial status, disability, receipt of public assistance, or because you exercised a right under the Consumer Credit Protection Act. California residents also have rights under the Housing Financial Discrimination Act of 1977 (California Fair Lending Notice).

Identity verification (USA PATRIOT Act)

Federal law requires us to get, verify, and record information that identifies each person who applies for a loan, including name, address, date of birth, and ID.

Products and special programs

DSCR, fix-and-flip, and other business-purpose loans are for investment properties and may not have the consumer protections of owner-occupied home loans. A HELOC or cash-out refinance uses your home as collateral; you could lose your home if you do not repay.

State-specific notices

Texas: Consumers who want to file a complaint against a mortgage company or residential mortgage loan originator licensed in Texas, or file a claim against a Texas-licensed residential mortgage loan originator, should send a completed complaint form or claim application to the Texas Department of Savings and Mortgage Lending, 2601 N. Lamar Blvd., Suite 201, Austin, Texas 78705, phone 1-877-276-5550; forms are at sml.texas.gov.

[Additional state-specific notices for CA, GA, NJ and PA, using Loan Factory's exact license names/numbers — TO BE CONFIRMED with Loan Factory compliance.]

Complaints

Contact us first at our contact form. You may also contact the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or your state regulator.