Licensing & compliance

Clear credentials. Clear boundaries. No fine-print surprises.

Review professional identifiers, state availability, Equal Housing information, privacy resources, and the limits of this website’s educational tools.

Individual mortgage professionalNicholas Babut

Branch Manager · Mortgage Broker · NMLS #1375677

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Company licensingRequired legal disclosure

Corporate NMLS #1660690 · Equal Housing Opportunity

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Active license verification

Confirm authority for the property state before applying.

NMLS Consumer Access displayed 14 active licenses for Nicholas Babut, each marked “Authorized to Conduct Business: Yes,” when verified on August 15, 2026. Because status can change, the live NMLS record remains authoritative.

14 active licenses · verified August 15, 2026Nicholas Babut · NMLS #1375677

The active states below reflect the NMLS Consumer Access record supplied for this review. Open the State Licenses/Registrations section to confirm current authority for the property state.

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AZArizonaAuthorized

FLFloridaAuthorized

GAGeorgiaAuthorized

INIndianaAuthorized

MDMarylandAuthorized

MIMichiganAuthorized

MNMinnesotaAuthorized

NCNorth CarolinaAuthorized

OHOhioAuthorized

RIRhode IslandAuthorized

SCSouth CarolinaAuthorized

SDSouth DakotaAuthorized

TXTexasAuthorized

WVWest VirginiaAuthorized

Status matters—not just the presence of a license.

Confirm the applicable license is currently authorized before relying on availability. For another property state, contact Nicholas about an appropriately licensed mortgage professional.

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Important website disclosures

What this website can—and cannot—do.

These guardrails keep educational tools and initial conversations separate from formal applications and secure document handling.

Educational information

Website content and automated responses are educational only—not an application decision, approval, offer, commitment to lend, or rate lock.

Underwriting applies

All financing is subject to borrower, income, asset, credit, identity, occupancy, property, program, lender, and underwriting requirements. Not all applicants will qualify.

Terms can change

Rates, APRs, fees, credits, programs, terms, and availability can change without notice. A rate is not locked until confirmed through the required written process.

Geographic limits

Products are not available in every state or for every amount. Both company authority and the individual mortgage professional’s active authority must cover the property state.

No government affiliation

This website and Nicholas Babut are not affiliated with or endorsed by VA, HUD, FHA, USDA, or another government agency.

Estimates are not quotes

Calculator results use user assumptions and may omit costs. They are not a Loan Estimate, Closing Disclosure, tax advice, investment advice, or available terms.

Assistant limitations

The on-site assistant uses a curated knowledge base. It cannot access credit, underwrite, quote a rate, or replace a licensed professional’s review.

Anonymous site analytics

The website records privacy-conscious daily counts such as visits and selected actions. It does not place mortgage application data, contact-form contents, or financial information in the analytics record.

Protect sensitive data

Never send Social Security numbers, account numbers, tax returns, statements, identification, or other confidential information through a basic website form or chat.

Required company information

Corporate licensing details

Corporate NMLS: #1660690
Corporate address: 5559 S Sossaman Rd, Bldg #1, Ste #101
Mesa, AZ 85212
Corporate phone: (602) 344-9333
Equal Housing: Equal Housing Lender / Equal Housing Opportunity

Privacy practicesPrivacy Policy↗Company termsLegal disclosures↗Regulatory verificationNMLS Consumer Access↗QuestionsEmail Nicholas↗

This is not an offer to enter into an agreement or a commitment to make a loan. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. Products are subject to credit, property, and underwriting approval and are not available in all states or for all loan amounts. Other restrictions and limitations may apply.

VA loans are subject to individual VA entitlement, eligibility, income and credit standards, and property requirements. These materials are not from VA, HUD, FHA, USDA, or another government agency and have not been approved by a government agency.