CAIFORNIA 주는 융자 LICENSE 관련 2 개의 기관에서 3가지의 다른 종류의 LICENSE 가 있습니다.
3가지의 LICENSE TYPE 은 각자 다르며 , 간단한 설명은 아래와 같습니다.
A. DRE ( Department of Real Estate ) 주관 하는 융자 License
1. 기본 자격을 갖추기 위하여서는 부동산 BROKER LICENSE 를 취득
2. 부동산 BROKER LICENSE 취득후 NMLS ( National Mortgage Licenseing system ) 에서
주관 하는 NATIONAL / STATE 시험합격
==> 가장 복잡한 LICNESE TYPE 이며, DRE , CFL , RML 의 LOAN TYPE 모두취급가능
B. DOC ( Depatment of Corporations ) 주관하는 융자 License
B.1 : CFL LICENSE ( California Finanace Lender License )
B.2 : CRML License ( Californai Residential Mortgage Lender License )
상세 내용은 아래 참조
DRE brokers can broker to DRE, CFL, RML, state chartered and federally chartered institutions
CFL brokers can only broker to CFL
RML brokers can only broker to RML, state chartered and federally chartered institutions
Allowable Activities
All three license types allow companies to broker, bank/lend, or service residential mortgages. The CRML License is the only license type that allows a company to sub-service residential mortgages, which means to service loans that are owned by another company. The CFL License and DRE License both allow a company to originate commercial mortgage loans. The CFL License is the only license that allows a company to originate non-secured commercial or personal loans.
The CFL License has a major restriction that needs to be pointed out. The CFL License only allows CFL brokers to broker mortgage loans to a CFL Lender. This means that a CFL broker can’t broker to DRE companies, CRML companies, or federally or state chartered banks, unless those companies also hold a CFL License. However, there is no restriction regarding what companies a CFL lender can sell loans to. The restriction solely applies to brokering loans. The CFL License also has a restriction on funding loans on warehouse lines provided by a non-CFL Licensed investor that will be purchasing the loan. The way the law reads is, "The finance company shall provide funding for the loan from sources exclusive of any funding advances received from an institutional investor committed to purchasing the note." Here is the law on this: 10 CA ADC § 1460. Real Estate Secured Loans: Sale to Institutional Investors
DRE brokers can broker to DRE, CFL, RML, state chartered and federally chartered institutions
CFL brokers can only broker to CFL
RML brokers can only broker to RML, state chartered and federally chartered institutions
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