Our Licensed States

California

License Type: Financing Law License

Colorado

License Type: Mortgage Company Registration

Florida

License Type: Mortgage Broker and Mortgage Lender

Florida Mortgage Broker License (NMLS): 2302194

Florida Mortgage Lender License No.: MLD2300

Original Issue Date: Broker – 12/04/2020 | Lender – 08/30/2022

Status: Approved | Renewed Through: 2026

Regulator:
Florida Office of Financial Regulation
Division of Finance, Bureau of Regulatory Review
200 East Gaines Street
Tallahassee, FL 32399
Phone: (850) 410‑9895

Georgia

License Type: Mortgage Broker / Processor

Company NMLS ID: 2059938

Original Issue Date: 04/07/2022

Status: Approved | Renewed Through: 2026

Regulator:
Georgia Department of Banking and Finance
2990 Brandywine Road, Suite 200
Atlanta, GA 30341‑5565
Phone: (770) 986‑1136

Maine

License Type: Loan Broker

North Carolina

License Type: Mortgage Broker

South Carolina

License Type: Mortgage Broker

Tennessee

License Type: Mortgage License

Texas

License Type: Mortgage Company License

Licensing information is available at www.NMLSConsumerAccess.org.

State Disclosures

Florida (FL)

Elite Lending, LLC is licensed as a Mortgage Broker in the state of Florida.

Florida Mortgage Broker License (NMLS): 2302194

Florida Mortgage Lender License No.: MLD2300

Licensed by the Florida Office of Financial Regulation.

Company NMLS ID: 2059938

Georgia (GA)

Elite Lending, LLC is licensed as a Mortgage Broker/Processor in the state of Georgia.

Licensed pursuant to the Georgia Residential Mortgage Act.

Company NMLS ID: 2059938

Colorado (CO)

Elite Lending, LLC is registered as a Mortgage Company in the state of Colorado.

Regulated by the Colorado Division of Real Estate.

Company NMLS ID: 2059938

California (CA)

Elite Lending, LLC is licensed by the California Department of Financial Protection and Innovation (DFPI) under the California Financing Law.

License No.: 60DBO‑200879

Maine (ME)

Elite Lending, LLC is licensed as a Loan Broker in the state of Maine.

Licensed by the Maine Bureau of Consumer Credit Protection.

North Carolina (NC)

Elite Lending, LLC is licensed as a Mortgage Broker in the state of North Carolina.

Mortgage Broker License No.: B‑224383

Licensed by the North Carolina Commissioner of Banks.

Company NMLS ID: 2059938

South Carolina (SC)

Elite Lending, LLC is licensed as a Mortgage Broker in the state of South Carolina.

Licensed by the South Carolina Board of Financial Institutions.

Company NMLS ID: 2059938

Tennessee (TN)

Elite Lending, LLC is licensed by the Tennessee Department of Financial Institutions.

Company NMLS ID: 2059938

Texas (TX)

Elite Lending, LLC is licensed as a Mortgage Company in the state of Texas.

TERMS OF USE

Last Updated: March 31, 2026

1. INTRODUCTION AND ACCEPTANCE OF TERMS

Welcome to Elite Lending, LLC (“Elite Lending,” “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of our website located at www.elitelendingfl.com (the “Website”), including all content, services, and features offered thereon.

By accessing, browsing, or using this Website, you (“User,” “you,” or “your”) acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree to these Terms, you are not authorized to use the Website.

Elite Lending reserves the right to modify these Terms at any time without prior notice. Your continued use of the Website following any modifications constitutes your acceptance of the modified Terms. We recommend reviewing these Terms periodically to stay informed of any changes.

Governing law and dispute resolution terms are set forth in Section 16 of these Terms.

2. DEFINITIONS

For purposes of these Terms of Use:

• “Services” means the mortgage brokerage, mortgage lending, loan consultation, and related financial services offered through the Website.
• “Website” means the website located at www.elitelendingfl.com and all associated pages, content, and applications.
• “Content” means all text, graphics, images, audio, video, and other materials on the Website.
• “User” or “You” means any individual or entity accessing or using the Website.
• “Loan Originator” “Mortgage Consultant” means any loan officer or representative of Elite Lending involved in the loan application process.
• “Lender” or “Partner Lender” means third-party financial institutions that fund loans arranged by Elite Lending.
• “Pre-Qualification” means an estimate of the loan amount and terms for which you may qualify, based on information you provide.

3. USE LICENSE AND RESTRICTIONS

3.1 Limited License

Elite Lending grants you a limited, non-exclusive, non-transferable license to access and use the Website for lawful purposes only, including obtaining information about our Services and submitting a loan application or quote request. Prohibited activities include, but are not limited to:

3.2 Prohibited Uses

You agree that you will NOT:

• Use the Website for any unlawful purpose or in violation of any federal, state, or local laws or regulations
• Harass, threaten, abuse, or defame any person
• Engage in any form of discrimination based on protected characteristics including race, color, religion, sex, national origin, disability, or familial status
• Attempt to gain unauthorized access to any portion of the Website or its systems
• Disrupt or interfere with the normal operation of the Website or its servers
• Scrape, spider, or otherwise automatically collect data from the Website
• Use bots, scripts, or other automated tools to interact with the Website
• Reverse engineer, decompile, or attempt to discover any source code or proprietary information
• Post false, misleading, or defamatory information
• Spam, flood, or engage in other disruptive activities
• Transmit any viruses, malware, or harmful code
• Violate any intellectual property rights of Elite Lending or third parties
• Frame or embed the Website or Content without permission
• Use the Website for any commercial purpose without authorization

3.3 Informational Purposes

The Website and all information provided thereon are for informational purposes only. This Website does not constitute investment advice, financial advice, or a loan offer. All information provided is based on the accuracy of information you provide and is subject to verification.

4. DISCLAIMER OF WARRANTIES

4.1 “As-Is” Basis

The Website and all Content, Services, and materials are provided on an “AS-IS” and “AS-AVAILABLE” basis without warranties of any kind, either express or implied. Elite Lending disclaims all warranties, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties regarding the accuracy, completeness, or timeliness of information
• Warranties that the Website will be uninterrupted, error-free, or secure
• Warranties regarding the quality or non-infringement of Content

4.2 Loan Information Disclaimers

IMPORTANT: Please read the following disclaimers carefully:

• Estimates Only: All loan amounts, interest rates, monthly payments, and loan terms displayed on the Website are estimates only and subject to change without notice. Actual rates, terms, and payments may differ significantly based on your creditworthiness, debt-to-income ratio, loan-to-value ratio, property location, property type, and other underwriting factors.
• Pre-Qualification Not Binding: Receipt of a pre-qualification or estimate does NOT constitute a binding loan commitment or offer. Pre-qualification is based solely on information you provide and does not constitute a verification of your income, assets, employment, or credit.
• Credit Approval Required: All loans are subject to credit approval based on a complete credit report, verification of employment, verification of income, verification of assets, and other underwriting requirements. Loan approval is not guaranteed.
• Subject to Verification: All information provided must be verified before loan approval. Misrepresentation of information may result in loan denial or rescission.
• Rate Lock: Interest rates are not locked until you enter into a written loan commitment with a lender. Rates may change at any time.
• Elite Lending as a Broker/Lender: Elite Lending, LLC may act as a mortgage broker and/or lender depending on the loan product and state of origination. Loans may be funded by Elite Lending or by third-party financial institutions. The identity of the funding lender will be disclosed during the loan application process.
• Additional Costs and Fees: Actual costs and closing costs may differ from estimates. Borrowers will receive a Closing Disclosure at least three (3) business days before closing.
• Prepayment Penalties: Certain loan products may include prepayment penalties. Please consult with your Loan Originator regarding any prepayment terms.

Submission of an inquiry or application does not constitute loan approval. All applications are subject to verification, underwriting, compliance review, and lender approval. Elite Lending, LLC reserves the right to deny any application consistent with applicable law.

4.3 Market Conditions

Market conditions, interest rate fluctuations, and changes in lending guidelines may affect loan availability and terms. Elite Lending does not guarantee the availability of any specific loan program.

5. LIMITATION OF LIABILITY

5.1 Limitation of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ELITE LENDING SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE WEBSITE OR SERVICES, EVEN IF ELITE LENDING HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

5.2 Cap on Liability

EXCEPT AS PROHIBITED BY LAW, ELITE LENDING’S TOTAL LIABILITY FOR ANY AND ALL CLAIMS ARISING FROM OR RELATING TO THE WEBSITE OR SERVICES SHALL NOT EXCEED THE LESSER OF (A) $100 OR (B) THE AMOUNT YOU PAID TO ELITE LENDING IN THE PAST 12 MONTHS.

5.3 Exceptions

This limitation of liability shall not apply to:

• Claims arising from Elite Lending’s gross negligence or willful misconduct
• Claims for personal injury
• Claims that cannot be limited under applicable law
• Violations of fair lending laws

5.4 No Liability for Third Parties

Elite Lending shall not be liable for the acts, omissions, or services of third-party lenders, appraisers, title companies, or other service providers involved in the loan process.

5.5 Third-Party Links

This website may contain links to third‑party websites. Elite Lending, LLC is not responsible for third‑party content, privacy practices, or terms. Access third‑party sites at your own risk.

5.6 Electronic Communications & E-SIGN Consent

By using this website, you consent to receive communications electronically, including disclosures, notices, and documents, in accordance with the Electronic Signatures in Global and National Commerce Act (“E‑SIGN Act”). You may withdraw consent by contacting us; however, doing so may limit our ability to provide services.

5.7 TCPA Consent (Calls, Texts, and Emails)

By submitting your contact information, you expressly consent to receive communications from Elite Lending, LLC via telephone calls, text messages (including automated or prerecorded communications), and email regarding your inquiry or application. Consent is not a condition of loan approval and may be revoked at any time.

6. INTELLECTUAL PROPERTY RIGHTS

6.1 Ownership of Content

All Content on the Website, including but not limited to text, graphics, logos, images, audio, video, software, and compilation thereof, is the property of Elite Lending or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws. Unauthorized use is prohibited.

6.2 Limited Permissions

You are granted a limited license to view, download, and print Content from the Website for your personal, non-commercial use only. This license does not permit you to:

• Modify, copy, or distribute Content
• Remove any copyright, trademark, or proprietary notices
• Use Content for any commercial or public purpose
• Resell or redistribute Content

7. USER-PROVIDED INFORMATION

7.1 Collection and Use

When you request a quote, submit a loan application, or contact us through the Website, you provide certain personal and financial information. This information is collected to:

• Process your loan application or quote request
• Verify your creditworthiness and ability to repay
• Comply with federal and state lending laws
• Communicate with you regarding your application or account
• Improve our Services

By submitting your information, you consent to receive communications, including automated calls or texts, subject to applicable law.

7.2 Privacy Policy

Your use of personal information is governed by our Privacy Policy, which is incorporated by reference into these Terms. Please review our Privacy Policy at www.elitelendingfl.com/privacy-policy/ for complete information regarding how we collect, use, and protect your information.

7.3 Fair Credit Reporting Act (FCRA) Compliance

You acknowledge and authorize Elite Lending to obtain a consumer credit report and other reports from consumer reporting agencies to evaluate your creditworthiness. By submitting an application, you authorize Elite Lending to conduct background checks and verify employment, income, and assets.

7.4 Accuracy of Information

You are solely responsible for the accuracy of all information you provide. False or misleading information may result in loan denial or rescission. You represent and warrant that all information you provide is true, accurate, and complete.

7.5 Data Security

Elite Lending uses reasonable security measures to protect your information, including SSL encryption. However, no security system is impenetrable. Elite Lending is not responsible for unauthorized access or data breaches resulting from causes beyond our reasonable control.

8. THIRD-PARTY SERVICES AND LINKS

8.1 Third-Party Links

The Website may contain links to third-party websites, including those of partner lenders, service providers, and other resources. Elite Lending does not control, endorse, or assume responsibility for the content, accuracy, reliability, or availability of third-party websites.

8.2 No Endorsement

Inclusion of a link does not constitute an endorsement of the linked website or its content. Your use of third-party websites is at your own risk and subject to their terms of use and privacy policies.

8.3 Partner Lenders

Elite Lending arranges loans through partner lenders. The actual lender will be disclosed during the loan application process. Each lender may have different requirements, rates, terms, and conditions. Elite Lending is not responsible for the actions, services, or policies of partner lenders.

8.4 External Service Providers

The Website may use third-party services such as appraisers, title companies, and credit reporting agencies. Elite Lending is not responsible for the performance or conduct of these service providers.

9. LOAN PROCESSING AND APPLICATION

9.1 Loan Application Process

Submitting a loan application does not guarantee approval. Your application will be reviewed and underwritten by our Loan Officers and partner lenders according to their underwriting guidelines.

9.2 Verification of Information

By submitting an application, you authorize Elite Lending and partner lenders to:

• Obtain a credit report
• Verify your employment and income
• Verify your assets and liabilities
• Conduct an appraisal of the subject property
• Conduct background checks and other verifications as required by law

9.3 Loan Denial

Elite Lending or partner lenders reserve the right to deny a loan application for any lawful reason, including but not limited to:

• Insufficient credit score
• Excessive debt-to-income ratio
• Insufficient income or assets
• Appraisal issues
• Employment verification issues
• Changes in loan program availability

9.4 Timelines

Estimated timelines for loan processing and closing are approximations only and may vary based on loan complexity, documentation, and underwriting requirements.

10. FAIR LENDING STATEMENT

Elite Lending is committed to providing equal access to credit and lending services in accordance with fair lending laws. Elite Lending does not discriminate based on race, color, religion, sex, national origin, disability, familial status, marital status, age, sexual orientation, gender identity, or any other protected characteristic.

If you believe you have been subject to discriminatory lending practices, please contact us immediately or file a complaint with the appropriate regulatory agency for your state.

11. COMPLIANCE WITH LAWS

11.1 TRID/RESPA/TILA Compliance

All loans processed through Elite Lending comply with the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), and the TILA-RESPA Integrated Disclosure (TRID) rule. You will receive a Loan Estimate within three (3) business days of application and a Closing Disclosure at least three (3) business days before closing.

11.2 Equal Housing Opportunity

Equal Housing Opportunity. It is illegal to discriminate against any person because of race, color, religion, sex, national origin, disability, or familial status in the sale, rental, or financing of housing. If you believe you have experienced housing discrimination, file a complaint with the U.S. Department of Housing and Urban Development (HUD) at 1-800-669-9777 or www.hud.gov.

11.3 State Laws

These Terms are subject to all applicable federal and state lending laws, including but not limited to fair lending laws, usury laws, and state-specific mortgage licensing requirements.

12. STATE-SPECIFIC DISCLOSURES AND LICENSES

Elite Lending, LLC licensing information and state‑specific disclosures are shown above in our state licensing and state disclosure section:

California (CA)

Elite Lending, LLC is licensed by the California Department of Financial Protection and Innovation (DFPI) under the California Financing Law. License #60DBO-200879. Loans may be arranged by Elite Lending, LLC and funded by third-party financial institutions, as disclosed during the loan process. For questions or complaints, contact DFPI at (866) 275-2677 or visit www.dfpi.ca.gov.

California Specific: All borrowers have the right to request information about the annual percentage rate (APR), finance charge, and other terms of the proposed loan. A Loan Estimate must be provided within three (3) business days of application.

Colorado (CO)

Elite Lending, LLC is registered as a Mortgage Company in the state of Colorado. NMLS #2059938. Regulated by the Colorado Division of Real Estate. For questions or complaints, contact the Colorado Division of Real Estate at (303) 894-2166 or visit www.colorado.gov/dora/real-estate.

Florida (FL)

Florida Specific: Florida residents have the right to file a complaint with the Florida Office of Financial Regulation at (850) 410-9895 or visit www.flofr.gov.

Georgia (GA)

Elite Lending, LLC is a licensed Mortgage Broker/Processor in the state of Georgia. NMLS #2059938. Licensed pursuant to the Georgia Residential Mortgage Act. For questions or complaints, contact the Georgia Department of Banking and Finance at (770) 986-1136 or visit www.dbf.ga.gov.

Maine (ME)

Elite Lending, LLC is licensed as a Loan Broker in the state of Maine. NMLS #2059938. Licensed by the Maine Bureau of Consumer Credit Protection. For questions or complaints, contact the Bureau of Consumer Credit Protection at (207) 624-8527 or visit www.maine.gov/cca/banking.

North Carolina (NC)

Elite Lending, LLC is licensed as a Mortgage Broker in the state of North Carolina. NMLS #2059938. Mortgage Broker License #B-224383. Licensed by the North Carolina Commissioner of Banks. For questions or complaints, contact the NC Commissioner of Banks at (919) 733-3016 or visit www.nccob.org.

South Carolina (SC)

Elite Lending, LLC is licensed as a Mortgage Broker in the state of South Carolina. NMLS #2059938. Licensed by the South Carolina Board of Financial Institutions. For questions or complaints, contact the SC Board of Financial Institutions at (803) 734-2020 or visit www.sfib.sc.gov.

Tennessee (TN)

Elite Lending, LLC is licensed under the Tennessee Department of Financial Institutions. Mortgage License #2059938. For questions or complaints, contact the Department of Financial Institutions at (615) 253-6714 or visit www.tn.gov/tdfi.

Texas (TX)

Elite Lending, LLC is licensed as a Mortgage Company in the state of Texas. NMLS #2059938. Also operating under the trade name Elite Lending of Florida LLC in Texas.

Texas Specific: Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the Department’s website at www.sml.texas.gov or by calling (512) 475-1350.

13. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Elite Lending, its officers, directors, employees, agents, and representatives from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorney’s fees) arising out of or in connection with:

• Your use of or access to the Website
• Any violation of these Terms
• Any violation of applicable laws or regulations
• Your infringement of any intellectual property rights
• Any content you submit or post on the Website
• Any act or omission of yours that causes harm to Elite Lending or third parties

14. TERMINATION OF ACCESS

14.1 Right to Terminate

Elite Lending reserves the right to deny, suspend, or revoke access to the Website at any time, in its sole discretion, with or without cause and without liability.

14.2 Grounds for Termination

Elite Lending may terminate your access if you:

• Violate these Terms
• Engage in illegal activity
• Threaten or harass others
• Provide false information
• Attempt to gain unauthorized access
• Violate any applicable laws or regulations

14.3 Effect of Termination

Upon termination, your right to access and use the Website ceases immediately. All provisions of these Terms that by their nature should survive termination, including indemnification and limitation of liability, shall survive.

15. MODIFICATIONS TO TERMS

Elite Lending reserves the right to modify these Terms at any time. Modified Terms will be effective upon posting to the Website. Your continued use of the Website following the posting of modified Terms constitutes your acceptance of the modifications. If you do not agree to any modification, you should discontinue use of the Website.

16. GOVERNING LAW AND DISPUTE RESOLUTION

16.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the state of Florida, without regard to its conflicts of law principles. However, applicable federal lending laws shall take precedence where applicable.

16.2 Jurisdiction and Venue

You agree that any action or proceeding arising out of or relating to these Terms or your use of the Website shall be brought exclusively in the state and federal courts located in Miami-Dade County, Florida, and you consent to the jurisdiction and venue of such courts.

16.3 Arbitration

Notwithstanding the foregoing, disputes arising from fair lending violations, regulatory compliance issues, or claims governed by federal lending laws shall not be subject to arbitration and may be brought in court or before the appropriate regulatory agency. Disputes for which arbitration is prohibited by applicable federal or state lending laws shall not be subject to arbitration.

16.4 Class Action Waiver

You agree that any arbitration or court proceeding shall be conducted on an individual basis and not as a class action, collective action, or representative action.

17. SEVERABILITY

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if such modification is not possible, the provision shall be severed. All remaining provisions shall continue in full force and effect.

18. ENTIRE AGREEMENT

These Terms of Use, together with our Privacy Policy and any other policies or agreements posted on the Website, constitute the entire agreement between you and Elite Lending regarding the use of the Website and Services and supersede all prior and contemporaneous understandings, negotiations, and discussions, whether written or oral.

19. CONTACT INFORMATION

For questions about these Terms of Use or to submit a complaint, contact Elite Lending at:

Elite Lending, LLC
2750 SW 145th Ave, Suite 403
Miramar, FL 33027
Phone: (786) 703-1989
Email: info@elitelendingfl.com
Company NMLS: 2059938
FL NMLS: 2302194

20. EFFECTIVE DATE

These Terms of Use are effective as of March 31, 2026, and apply to all users of the Website.

Last Updated: March 31, 2026