This page provides state licensing and regulatory information for mortgage loan origination activities conducted by Mohamad Fardous (doing business as "Moe Fardous"). The information below is intended for consumer reference and regulatory compliance purposes.
Mohamad Fardous is a licensed Mortgage Loan Originator in the Nationwide Multistate Licensing System & Registry (NMLS).
Individual NMLS ID: 1448893
Licensing information for Mohamad Fardous can be verified at NMLS Consumer Access: www.nmlsconsumeraccess.org.
EQUAL HOUSING OPPORTUNITY: All mortgage loan programs are subject to credit approval and property eligibility. Financing is available without regard to race, color, religion, national origin, sex, handicap, or familial status.
Mohamad Fardous operates as an independent Mortgage Loan Originator sponsored by West Capital Lending, Inc. All mortgage loan products are offered through West Capital Lending, Inc., subject to their underwriting guidelines, approval standards, and applicable federal and state regulations.
All loan applications taken by Mohamad Fardous are submitted to and, if approved, funded by West Capital Lending, Inc. in accordance with applicable laws, regulations, and company policies.
The following list identifies states in which Mohamad Fardous is licensed to originate residential mortgage loans. Unless otherwise indicated, the statement below applies to first-lien and subordinate-lien residential mortgage loan transactions, subject to applicable state and federal law.
Licensed to originate mortgage loans in Alabama.
Alabama Securities Commission
Website: https://asc.alabama.gov
Phone: 334-242-2984
Licensed to originate mortgage loans in Arkansas.
Arkansas Securities Department
Website: https://securities.arkansas.gov
Phone: 501-324-9260
Licensed to originate mortgage loans in Delaware.
Delaware Office of the State Bank Commissioner
Website: https://banking.delaware.gov
Phone: 302-739-4235
Licensed to originate mortgage loans in Florida.
Mortgage Loan Originators are regulated by the Florida Office of Financial Regulation.
Florida Office of Financial Regulation
Website: https://flofr.gov
Phone: 850-487-9687
Licensed to originate mortgage loans in Idaho.
Idaho Department of Finance
Website: https://finance.idaho.gov
Phone: 208-332-8000
Licensed to originate mortgage loans in Iowa.
Regulator: Iowa Division of Banking
Website: https://idob.state.ia.us
Phone: 515-281-4014
Licensed to originate mortgage loans in Kansas.
Kansas Office of the State Bank Commissioner
Website: https://www.osbckansas.org
Phone: 785-296-2266
Licensed to originate mortgage loans in Maine.
Maine Bureau of Consumer Credit Protection
Website: https://www.maine.gov/pfr/consumercredit
Phone: 207-624-8527
Licensed to originate mortgage loans in Michigan.
Michigan Department of Insurance and Financial Services (DIFS)
Website: https://www.michigan.gov/difs
Phone: 877-999-6442
Consumers may file complaints with DIFS through the website listed above.
Licensed to originate mortgage loans in Missouri.
Missouri Division of Finance
Website: https://finance.mo.gov
Phone: 573-751-3242
Licensed to originate mortgage loans in Nebraska.
Nebraska Department of Banking and Finance
Website: https://ndbf.nebraska.gov
Phone: 402-471-2171
Licensed to originate mortgage loans in New Hampshire.
New Hampshire Banking Department
Website: https://www.nh.gov/banking
Phone: 603-271-3561
Licensed to originate mortgage loans in North Dakota.
North Dakota Department of Financial Institutions
Website: https://www.nd.gov/dfi
Phone: 701-328-9933
Licensed to originate mortgage loans in Oklahoma.
Oklahoma Department of Consumer Credit
Website: https://okdocc.ok.gov
Phone: 405-521-3653
Licensed to originate mortgage loans in Pennsylvania.
Pennsylvania Department of Banking and Securities
Website: https://www.dobs.pa.gov
Phone: 800-722-2657
Consumers may file complaints through the department website listed above.
Licensed to originate mortgage loans in South Dakota.
South Dakota Division of Banking
Website: https://dlr.sd.gov/banking
Phone: 605-773-3421
Licensed to originate mortgage loans in Tennessee.
Tennessee Department of Financial Institutions
Website: https://www.tn.gov/tdfi
Phone: 615-741-2236
Licensed to originate mortgage loans in Texas (SML).
TEXAS RECOVERY FUND NOTICE: Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker 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. A toll-free consumer hotline is available at 1-877-276-5550.
The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.
Licensed to originate mortgage loans in Virginia.
Virginia State Corporation Commission
Bureau of Financial Institutions
Website: https://scc.virginia.gov/pages/Bureau-of-Financial-Institutions
Phone: 804-371-9657
Consumers may file complaints with the Bureau of Financial Institutions
Licensed to originate mortgage loans in Washington.
Washington State Department of Financial Institutions
Division of Consumer Services
Website: https://dfi.wa.gov/consumers
Phone: 877-746-4334
Consumers may file complaints with the Washington Department of Financial Institutions using the website listed above.
Licensed to originate mortgage loans in Wisconsin.
Wisconsin Department of Financial Institutions
Website: https://www.wdfi.org
Phone: 608-261-9555
Licensed to originate mortgage loans in Wyoming.
Wyoming Division of Banking
Website: https://wyomingbankingdivision.wyo.gov
Phone: 307-777-7797
Consumers may review licensing information and submit certain complaints regarding mortgage loan originators and companies through NMLS Consumer Access at www.nmlsconsumeraccess.org.
In addition, certain states provide separate complaint and consumer assistance processes through their respective banking, financial services, or mortgage regulatory agencies as listed above.
Mortgage loan origination services offered by Mohamad Fardous are conducted only in states where Mohamad Fardous and West Capital Lending, Inc. hold all necessary licenses and approvals, as identified on this page and in NMLS Consumer Access.
No solicitation, offer, or negotiation of mortgage loan products is intended or shall be deemed to occur in any state or jurisdiction where the necessary mortgage lending or loan originator licenses have not been obtained or are not currently in good standing.
This State Licensing & Regulatory Information page is provided to meet applicable federal and state mortgage regulatory disclosure requirements, including but not limited to those administered by the Consumer Financial Protection Bureau (CFPB), the Nationwide Multistate Licensing System & Registry (NMLS), and state banking and financial regulatory agencies.
Information presented on this page is subject to change based on license renewals, regulatory updates, and changes in company or branch status. Consumers are encouraged to confirm current licensing information via NMLS Consumer Access and, where appropriate, through the relevant state regulatory agencies.