Leveraging Technology to Create Affordable Financial Services
About Consumer Credit Services, LLC
Since 1998, Consumer Credit Services has originated over 6,000 mortgage loans, helping Florida families secure affordable homeownership amid debt challenges. Consumer Credit Services, LLC is licensed under NMLS #1070755. We adhere to all CFPB guidelines, Reg Z (Truth in Lending), TRID (TILA-RESPA Integrated Disclosure), and state/federal laws—ensuring transparent, ethical services with zero compliance issues.
As an A+ rated BBB organization and 4.4 Trustpilot reviews and 4.7 Google Reviews Consumer Credit Services and its brands EquiFund Mortgage and GoRealo.com always protect our clients interest. Verify our NMLS record for full transparency, or explore current Florida rates to see our expertise in action.
Our Story: Since 1998, Present and Future
Founded by James J. Hammond, NMLS# 190210 in 1998, Consumer Credit Services began as financial service provider —offering debt negotiation and low-cost mortgage origination company that has helped over 6000 Florida Families.
1998: Launching Consumer Credit Services, Inc in Florida
In 1998, James J. Hammond founded Consumer Credit Services, Inc. in the State of Florida to help consumer lower monthly payments on high interest debts and originating low-cost mortgage loans.
Drawing from his Civil Engineering background at the University of Central Florida—where he nearly completed his degree with a 3.82 GPA and Business Administration minor—James J. Hammond’s applied financial engineering principals to help over 6,000 Florida families lower their interest rates on mortgages and credit card debts, while improving clients credit rating.
From day one, Consumer Credit Services, Inc. specialized in below-market interest rate lending for FHA, VA, Jumbo and conventional mortgage loans alongside debt resolution, saving clients an estimated $12M+ in interest by 2012.
2013: Corporate Restructure-Consumer Credit Services, Inc to Consumer Credit Services, LLC
In 2013, we converted from Consumer Credit Services, Inc. State of Florida filling dated 08/12/1998; dissolved 09/23/2011 per Florida SOS to Consumer Credit Services, LLC State of Florida Filling: 05/07/ 2013 to LLC—a strategic upgrade to enhance operational flexibility and formalize our growing mortgage ecosystem, all without interrupting a single client’s journey.
The 2013 Mission: Leverage automation technologies to lower the cost of mortgage loans for consumers. Create an online mortgage market place providing home buyers and homeowners with 1% lower mortgage rates than competitors.
This change, filed with the Florida Division of Corporations, preserved our 15+ years of debt negotiation wins to carry forward into the age of automation intelligence NMLS #1070755. View our entity timeline for full details.
2013-2020: Develop and deploy Automated Mortgage Lending Platform
While the initial research and feasibility studies took place in in late 2011, we did not initiate the full stack development until the 01/01/2013.
From 2013 to 2020, James J. Hammond, as subject matter expert for mortgage lending, mathematics, and compliance and regulations, lead a team of 3 developers down a long road of automating the mortgage lending marketplace.
In 2020, under the leadership of James J. Hammond, Consumer Credit Services, LLC deployed its first publicly available digital mortgage market place under the brand EquiFund Mortgage.
Brands owned by Consumer Credit Services
EquiFund Mortgage
On 08/22/2020 Consumer Credit Services registered EquiFund Mortgage with State of Florida. James J. Hammond registered EquiFund Mortgage US Trademark filed: 07/14/2023; Registered 8/6/2024.
EquiFund Mortgage continues to provide consumers with online automated mortgage loans with 1% lower interest rates than its competitors.
GoRealo
On 04/14/2025 Consumer Credit Services, LLC and its founder James J. Hammond jointly filed and was awarded US Trademark class 35 for GoRealo on 9/30/2025
On 08/01/2025 Consumer Credit Services launched GoRealo.com. GoRealo provides online automated mortgage loan pre-approvals, online mortgage automated underwriting, real time mortgage interest rates, mortgage calculators, loan comparison calculators and transparent loan options. A 100% consumer first mortgage lending platform.
Consumer Credit Services, EquiFund Mortgage, GoRealo
Since 1998, we have successfully helped more than 50,000 consumers with debt related issues. We are one of the oldest, well established debt resolution companies and pride ourselves on our consistently high ratings with our clients.
James J. Hammond, Founder & CEO
Passionately convicted and efficiency focused to lower the cost of mortgage lending, closing cost and high interest rate debts for our clients.
- 3.82 GPA, University of Central Florida — School of Engineering (minor in Business Administration)
- 1998 — Licensed Mortgage Broker, Consumer Credit Services, Inc.
- 2000 — Licensed Mortgage Lender, Consumer Credit Services, Inc.
- 2003 — Advanced to Correspondent Lender, fully accredited by VA and FHA
- 2011 — NMLS Licensed Mortgage Loan Originator (NMLS #190210)
- 2008–2011 — Led foreclosure-prevention programs (~200 homes/month protected)
- 2013 — Licensed Mortgage Broker Business, Consumer Credit Services, LLC
- 2013 — Began mortgage lending automation initiatives
- 2024 — U.S. trademark secured for EquiFund Mortgage®
- 2025 — U.S. trademark secured for GoRealo®