Paragon Mortgage Services, Inc. Legal Disclosures and Licensing
CORPORATE DISCLOSURES
Paragon Mortgage Services, Inc. (NMLS 50139) is a Mortgage Brokerage, Incorporated in the State of Texas and maintains its corporate headquarters in Plano, TX.
Paragon Mortgage Services, Inc.'s Corporate Officer is Susan Martin Lansing, President (NMLS ID 50785). Susan is a licensed Mortgage Loan Originator and Primary Lending Manager in the States of: Arizona, California, Colorado, Florida, Idaho, Montana, North Dakota, New Mexico, Oklahoma, Texas, Utah and Wyoming.
In accordance with State Mortgage Licensing Laws, all Individual Licensed Mortgage Loan Originators and Processors maintain required Surety Bond and Errors and Omissions Insurance coverages, as defined and administered by each State Regulatory agency and are annually trained in BSA/AML Laws.
CONTACT INFORMATION
Corporate Headquarters Address and Contact Information for Consumer and Client Matters:
6600 Chase Oaks Blvd.
Ste. 150, Office # 1089
Plano, TX 75023
For General Information, Customer Service or Human Resources, Email: Susan@paragon-loans.com or call: 303-886-7708 or Toll Free: 1-888-PARAGON (1-888-727-2466)
Denver Address:
Paragon Mortgage Services, Inc. Denver Branch License # 2667155
Address: 4600 S Syracuse St, 9th Floor, Denver, CO 80237
This Address is for Colorado Regulatory Requirements Only, and no Consumer or Client support is available at this Branch Location. Please refer all Consumer and Client questions and requests to the Paragon Mortgage Services, Inc. Corporate Headquarters location.
Arizona Address:
Paragon Mortgage Services, Inc. Arizona Branch License # 866222
Address: 18444 N. 25th Ave. Suite 420-527, Phoenix, AZ 85023
This Address is for Arizona Regulatory Requirements Only, and no Consumer or Client support is available at this Branch Location. Please refer all Consumer and Client questions and requests to the Paragon Mortgage Services, Inc. Corporate Headquarters location.
THE NATIONWIDE MULTISTATE LICENSING SYSTEM (NMLS)
In order to provide homebuyers and the general public with greater information concerning the companies and professionals in the mortgage industry and in fulfillment of the federal S.A.F.E. Mortgage Licensing Act of 2008, the Nationwide Multistate Licensing System (NMLS) hosts a website called NMLS Consumer Access. NMLS Consumer Access is a fully searchable website that allows the public to view information concerning state-licensed companies, branches, and individuals licensed and registered through NMLS. Found online at www.NMLSConsumerAccess.org, NMLS Consumer Access is a stand-alone website, separate from NMLS, that contains administrative and licensing information for companies, branches, and individuals licensed or registered through NMLS.
For more, see Information about Consumer Access.
NMLS Consumer Access is provided without charge to the public.
CORPORATE LICENSES
Arizona Mortgage Company Broker License, 0919711, Active Since: 02.28.2012
Arizona Mortgage Broker Branch License, 0117384 Active Since: 02.28.2012
California DFPI Financing Law License, 603B332 Active Since: 07.05.2005
Colorado Business License, 20041058390 Active Since: 12.06.2010
Florida Mortgage Broker License, MBR425 Active Since: 05.10.2011
Idaho Mortgage Broker/Lender License MBL-4626 Active Since: 08.07.2024
Montana Mortgage Broker License 50139 Active Since: 08.07.2024
New Mexico Mortgage Loan Company License 50139 Active Since: 10.21.2025
North Dakota Residential Mortgage Lender, MB 103435 Active Since: 05.10.2019
Oklahoma Mortgage Broker License MB018188, Active Since: 05.20.2026
Texas-SML Mortgage Company License, 50139 Active Since: 01.16.2023
Utah-DRE Mortgage Entity License, 5904483-MLCO Active Since: 07.05.2006
Wyoming Mortgage Broker License 5455 Active Since: 09.03.2024
STATE REGULATORY LICENSING AUTHORITY
Arizona: The Arizona Department of Financial Institutions (AZDFI). https://difi.az.gov/
California: Department of Financial Protection and Innovation (DFPI). https://dfpi.ca.gov/mortgage-loan-originators/
Colorado: Colorado Department of Regulatory Affairs (DORA) Division of Real Estate. http://www.dora.state.co.us/real-estate/
Florida: The Florida Office of Financial Regulation (FOFR). http://www.flofr.com/finance/
Idaho: Idaho Department of Finance. http://www.finance.idaho.gov/
Montana: Montana Division of Banking and Financial Institutions. http://banking.mt.gov/Home
New Mexico: New Mexico Financial Institutions Division. https://www.rld.nm.gov/financial-institutions/
North Dakota: North Dakota Department of Financial Institutions. https://www.nd.gov/dfi/
Oklahoma: Oklahoma Department of Consumer Credit Licensing. http://www.ok.gov/okdocc/
Texas: Dept of Savings and Mortgage Lending. https://www.sml.texas.gov/ and the Office of the Consumer Credit Commissioner (OCCC) https://occc.texas.gov/
Utah: The Utah Department of Commerce, Division of Real Estate: https://realestate.utah.gov/
Wyoming: Wyoming Division of Banking. http://wyomingbankingdivision.wyo.gov
GOVERNMENT AGENCY CERTIFICATION
Veterans Administration (VA), Lender Agent ID Number 239107-0000, 11.07.2003
STATE AND FEDERAL DISCLOSURES
You are notified that all State and Federal disclosures are required to be understood and acknowledged, including but not limited to the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), TILA-RESPA Integrated Disclosures (TRID), and certain other federal and state laws, including details of your cost of credit, Loan Estimates of your settlement costs, HUD mandated booklets and your right to a copy of any appraisal, if any, performed on your home.
The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant’s income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.
If your loan request is forwarded to a Lender that makes you an offer, you should receive from the Lender a Loan Estimate (LE) required under TRID and an initial loan disclosure package, within three business days from the date you submit a complete loan application with the Lender.
If the Lender denies your request for credit, and that action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain, within sixty days, a free copy of your consumer credit report from the credit reporting agency which compiles and maintains files on consumers on a nationwide basis. You also have the right to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency by contacting that agency directly. An applicant, if married, may apply for a separate account.
As a Mortgage Origination Broker Company, Paragon Mortgage Services acts as an agent of its participating Banks and Lenders, and in this capacity Paragon Mortgage Services provides administrative and consultative support to consumers related to its participating Bank and Lender Real Estate offers and representative Loan Product Lines only. Each customer is hereby notified that commencing the financing process and completing a loan request with Paragon Mortgage Services does not guarantee that any customer's request will result in each or any customer receiving a loan with one of our approved Banks or Lenders or that an offered loan may meet your personal needs or requirements. Paragon Mortgage Services, Inc. will provide each customer recommendations on available products, services, rates and terms, but each consumer requesting consultative services with Paragon Mortgage Services, Inc. should rely on your own judgment in deciding which available loan product best suits your needs and financial means.
No consumer is required to use Paragon Mortgage Services, Inc. as a condition for settlement of your loan on any property or financing and there may be other lenders available with similar services. You are free to contact any other lenders to ensure that you are receiving the best services and the best rate for these services. Paragon Mortgage Services is not a Bank or Wholesale Loan Investor and Paragon Mortgage Services does not make loans or credit decisions in connection with loans, nor does Paragon Mortgage Services issue commitments or lock-in agreements.
No consumer is under any obligation to use a Paragon Mortgage Services Officer or Mortgage Loan Originator and all consumers are hereby notified that if you choose to apply for a loan with Paragon Mortgage Services, Inc., all compensation will be disclosed in accordance with Local, State and Federal laws and the requirements of TRID.
Texas:
https://www.sml.texas.gov/forms/?tax%5Bwpdmcategory%5D=mortgage-origination
Figure: 7 TAC §56.200(c)
TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.
FEDERAL FAIR LENDING and PRIVACY POLICY
We do business in accordance with Federal Fair Lending Laws
UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO: Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling, or to deny any loan secured by a dwelling; or Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan, or in appraising property.
If you believe that you have been discriminated against, you should send a complaint to:
Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Washington, DC 20410
Division of Compliance and Consumer Affairs
Federal Deposit Insurance Corporation
Washington, DC 20429-9990
For processing under the FEDERAL FAIR HOUSING ACT:
Division of Compliance and Consumer Affairs
Federal Deposit Insurance Corporation
Washington, DC 20429-9990
For processing under the Comptroller of the Currency Regulations - UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION: On the basis of race, color, national origin, religion, sex, marital status, or age; Because income is from public assistance; or Because a right has been exercised under the Consumer Credit Protection Act.
NOTICE TO ALL: NRMLA/HUD disclaimer, "This material is not from the CFPB, HUD or FHA and has not been approved by the CFPB, HUD or any government agency."
Paragon Mortgage Services, Inc.’s Website Posted Privacy Policy
This privacy policy governs the use of information by Paragon Mortgage Services, Inc. as collected on www.paragon-loans.com ("Website"). The example of the company’s web-based privacy notice applies to information collected by the company’s web site.
Paragon Mortgage Services, Inc. is committed to security and privacy of the personal information. This privacy policy applies to that information that you submit via this website, and that Paragon Mortgage Services, Inc. receives via this website. It does not apply to the practices of businesses and people with which we have no affiliation or control.
While using this site, you may click a link which brings you to a site not controlled nor owned by Paragon Mortgage Services, Inc. In this case, you should review the policies of that site. This Paragon Mortgage Services, Inc. policy should not be taken to apply outside of www.paragon-loans.com.
Information Collection, Use, and Sharing
Paragon Mortgage Services, Inc. collects personal information ("Information") from you through e-mail, forms, and other methods located on our website. This Information is collected only if you choose to submit it, and in submitting it you agree to have the Information handled in accord with this policy. This Information may include names, social security numbers, e-mail addresses, phone numbers, home data including pricing and outstanding loans, and other data as requested or provided.
Paragon Mortgage Services, Inc. takes the privacy of your information seriously. We will share your information only among our company and its affiliates and/or commonly owned companies and may do so for any business reason. We do not sell or transfer your information to any unrelated third-party, except as provided for herein.
Paragon Mortgage Services, Inc. will use your Information in order to fulfill your request. As such, information may be shared as necessary with third parties including:
• Appraisal companies
• Credit agencies
• Mortgage insurance companies
• Title and escrow companies or Hazard Insurance Companies
• Lenders
Paragon Mortgage Services, Inc. will not otherwise share the Information which you have provided.
Your Access to and Control of Information
You may opt out of any future contacts from us or change the information we have on file for you, at any time. You can do the following at any time by contacting us via the mailing address, email address or phone number given on our website:
• See what data we have about you, if any.
• Change/correct any data we have about you.
• Have us delete any data we have about you.
• Express any concern you have about our use of your data or its security
We take precautions to protect your information.
When you submit sensitive information via the website, your information is protected both online and offline. Wherever we collect sensitive information (such as a social security number), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser or looking for "https" at the beginning of the address of the web page. While we use encryption to protect sensitive information transmitted online, we also protect your information offline. The computers and servers in which we store personally identifiable information are kept in a secure environment.
If you feel that we are not abiding by this privacy policy, you should contact us immediately at the address, telephone number or email address below.
Browsing the Website
As you browse the Website, we may record certain data about your visit. This data does not include any personally identifiable information and cannot be traced back to you unless you choose to identify yourself and/or your access history. Data collected may include your IP address, operating system, browser type, time, date, and page visits, where you came from, and other such non-personal information. We may also place "cookies" on your computer. These help us in tracking your use of the Website, and do not collect any personally identifiable data about you. If you choose to reject these cookies, certain functions of the Website may be unable to operate.
Legal Requirements
Paragon Mortgage Services, Inc. may disclose any and all information as required by law or legal action. Paragon Mortgage Services, Inc. may also do so in the good-faith belief that disclosure is necessary or required by law or legal process.
This Policy May Change
This privacy policy may change at any time, for any reason, and without notice. It is your responsibility to check this policy often to ensure that you are aware of our latest policies.
Paragon Mortgage Services, Inc.
6600 Chase Oaks Blvd. Ste. 150, Office #1089, Plano, TX 75023
Phone: 303-727-2466; Email: susan@paragon-loans.com