Consumer Credit Services, LLC

Consumer Credit Services:

Originally founded in Florida in1998 and restructured as Consumer Credit Services, LLC in 2013, we have maintained continuous licensing under NMLS #1070755. Since 1998, Consumer Credit Services and it’s brand have originated more than 6,000 mortgage loans in compliance with federal and state regulations and helped over 50,000 consumers with debt programs. 

Licensing and Corporate Filings:

Consumer Credit Services, LLC maintains all state and federal regulatory filings in good standing and up to date.

• Florida Sunbiz: Articles of Organization for Consumer Credit Services, LLC
• NMLS Consumer Access – Mortgage License #1070755
• Florida Sunbiz: DBA Registration EquiFund Mortgage
• USPTO Trademark TESS Search: EquiFund Mortgage®
• Florida Sunbiz: DBA Registration GoRealo
• USPTO Trademark Search – GoRealo®

State Licensing Disclosure:

• Currently Licensed as Florida Mortgage Broker #MBR1434
• Additional State Licenses are in process as part of a nationwide expansion

Regulatory Compliance:

Consumer Credit Services, LLC, together with its brands GoRealo® and EquiFund Mortgage®, adheres to all applicable state and federal mortgage lending regulations. All corporate, licensing, and trademark filings are maintained in good standing with the State of Florida, the NMLS, and the USPTO. In addition, our internal consumer protection policies provide an added layer of safeguards to ensure the best interests of our clients are always protected.

Consumer Protections:

Consumer Credit Services, LLC provides a secure online platform where borrowers can compare fully transparent mortgage offers in minutes. All loan terms—interest rates, APR, points, closing costs, and cash-to-close—are clearly disclosed upfront. We never perform credit pulls for pre-qualification, and soft credit checks for pre-approvals are only done with your explicit consent.

Federal Consumer Protection Alignment:

• Consumer Finance Protection Bureau Complaints
• US Truth in Lending Rules and Regulations
• US CFPB: Know Before You Owe-Mortgages
• US CFPB: Find a housing counselor

Online Mortgage Applications:

• We do not sell or share your information.
• We do  not pull credit reports for online mortgage pre-qualifications.
• We do not spam call or email users of our services.
• Mortgage Pre-Approval Request will be issued only with the users consent to a soft pull credit inquiry.

Security & Safeguards

Consumer Credit Services, LLC and its brands maintain industry-leading protections to safeguard client information: 

• Advanced Firewalls – Multi-layered protection against unauthorized access and malicious traffic.

• Isolated Systems – Critical systems are segmented and not directly reachable from the public internet.

• End-to-End Encryption – All data in transit and at rest is encrypted using industry-standard protocols.

• Credential Protection – User passwords and sensitive information are hashed and securely stored.

• SSL/TLS Encryption – All websites enforce secure, encrypted connections.

• Continuous Hardening – Security practices are regularly reviewed, tested, and updated to exceed regulatory requirements.

We safeguard your personal and financial information with the same rigorous standards trusted by leading financial institutions and regulatory bodies.