If you are working with an individual and they are discussing loan terms or rates, they need to be licensed or registered with the Nationwide Mortgage Licensing system referred to as “NMLS”. It is important that you know your originator is following the ethics and regulations for licensed holders. Individuals that work for a federally chartered banks are referred to as registered originators and individuals who work for brokerages are referred to as licensed originator whomever you work with should have an NMLS # if they are discussing loan terms and rates. You can search the registry, locate continuing education resources and get industry updates all from this site.
https://nationwidelicensingsystem.org/Pages/default.aspx
Link to review the licensed individual:
The Gosdin Group 