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GUAM

Get an understanding of mortgage lending and insurance state licensing and continuing education requirements.

Guam Mortgage License Requirements

Learn about the Guam mortgage education requirements for mortgage licensing. In the state of Guam, mortgage loan originators are required to:

  1. Complete a Criminal Background Check (CBC).

  2. Authorize a credit report through the NMLS that demonstrates financial responsibility.

  3. Fulfill all state and federal education requirements as designated Guam.

  4. Take and pass a National Test.

  5. Be sponsored by a Guam-licensed company.

Guam NMLS Pre-Licensing Education Requirements:

New state-licensed MLOs are required to complete 20 hours of NMLS-approved education. This includes:

  • 3 hours of federal law

  • 3 hours of ethics

  • 2 hours of non-traditional mortgage lending training

  • 12 hours of electives

Guam Continuing Education
Requirements:

State-licensed MLOs are required to complete 8 hours of NMLS-approved mortgage education annually beginning the year they are licensed (unless PE was completed in the same year). This includes:

  • 3 hours of federal law

  • 2 hours of ethics

  • 2 hours of non-traditional mortgage lending

  • 1 hour of electives

MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row.

Guam Mortgage Licensing:
NMLS Resources:

Loansbetter.com | NMLS# 2641696 | 17220 Newhope Street

#214A Fountain Valley, Ca 92708 | NMLS Consumer Access

Legal

LoansBetter.com is an Equal Housing Lender. We fully comply with the Equal Credit Opportunity Act (ECOA), Fair Housing Act, and all other Federal and State regulations. All applicants applying for credit from Loansbetter.com will be treated equally regardless of race, color, ethnicity, national origin, religion, sex or gender, sexual orientation, gender identification, military status, marital or familial status, age, disability or handicap, receipt of public assistance, exercise of any right under the Consumer Credit Protection Act, or any other prohibited basis. All information we request is voluntary, and will be kept confidential.

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For more information on the ECOA, please visit the Consumer Financial Protection Bureau website at: www.consumerfinance.gov

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For more information on the Fair Housing Act, please visit the Department of Housing and Urban Development website at: https://portal.hud.gov/hudportal/HUD

PRIVACY NOTICE

This privacy notice discloses the privacy practices for (www.loansbetter.com). This privacy notice applies solely to information collected by this website. It will notify you of the following:

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  1. What personally identifiable information is collected from you through the website, how it is used and with whom it may be shared.

  2. What choices are available to you regarding the use of your data.

  3. The security procedures in place to protect the misuse of your information.

  4. How you can correct any inaccuracies in the information.

 

Information Collection, Use, and Sharing
We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone.


We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request, e.g. to ship an order.


Unless you ask us not to, we may contact you via email in the future to tell you about specials, new products or services, or changes to this privacy policy.


Your Access to and Control Over Information
You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the 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.


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 credit card data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a lock icon in the address bar and 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. Only employees who need the information to perform a specific job are granted access to personally identifiable information.


The computers/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 via telephone at 714-494-4172 or via email INFO (AT)LOANSBETTER. (DOT) COM.


This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.

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