Bills.com (and the websites it manages, known collectively as "Bills.com") is a personal finance lead generation website that helps people with tools, information and suggestions on financial decisions. Bills.com helps site users to get in touch with licensed mortgage brokers, licensed mortgage lenders, banks, personal loan lenders and debt settlement companies (collectively, “financial services”) of their interest in obtaining financial products and mortgages.
Bills.com assists users who: (1) complete a brief information form on our website; and (2) request that Bills.com provide their information form to one or more financial services companies. When a financial services company receives an information form from Bills.com, the financial services company will contact the users directly. Bills.com will not, to it's best knowledge, forward users’ information to any nonexempt, unlicensed financial services company.
As the financial services companies are completely separate entities or are affiliates of Bills.com, Bills.com is not responsible or liable for the services provided by the financial services companies to whom we forward user information. Bills.com can neither endorse nor guarantee the services or products of the financial services companies with whom we work, including, but not limited to advertised rates, points or loan programs. Conversely, Bills.com shall not be liable for any damages concerning the information provided by the user, including but not limited to accuracy and errors.
Bills.com does not charge site users for any services. Bills.com is compensated directly by the financial services companies with whom we work. Accordingly, Bills.com shall not be liable for any costs incurred by users in doing business with any financial services companies.
In order to provide our services, some states may require Bills.com to be licensed as a mortgage broker. Please note that while certain states require at minimum one individual to be licensed as a mortgage loan originator, we neither originate loans nor employ loan originators.
Our NMLS ID Number is 138464
Alabama - Alabama Mortgage Broker's License Number 21684
Alaska - Alaska Mortgage Broker/Lender License AK138464
Arizona - Mortgage Broker's License Number 0917704
Arkansas - Arkansas Mortgage Broker License Number 103062
Colorado - Mortgage Company Registration, NMLS ID 138464
Delaware - Mortgage Loan Broker License Number 012384
District of Columbia
- Mortgage Broker License Number MLB138464
In accordance with D.C. Code Ann. § 26-1113, if you work with a Mortgage Originator via your inquiry submitted through Bills.com, LLC, the Mortgage Originator shall issue a Financing Agreement. This agreement shall include: 1.) the terms and principal amount of the loan, 2.) an explanation of the type of mortgage loan being offered, 3.) the rate of interest that will apply to the loan and, if the rate is subject to change, or is a variable rate, or is subject to final determination at a future date based on some objective standard, a specific statement of those facts, 4.) points and fees, if any, to be paid by the borrower or the seller, or both; and 5.) the term during which the financing agreement remains in effect. This financing agreement must be execute by the Mortgage Originator and must be delivered at least 72 hours before settlement.
Florida - Mortgage Broker License Number MBR902
Bills.com originates neither mortgage loans nor commitments. As such, even though Bills.com will pass on your loan inquiry to participating Mortgage Originators, Bills.com cannot guarantee the acceptance of potential borrowers into any particular loan program or promise any specific loan terms or conditions. Should a potential borrower work with a Mortgage Originator linked via Bills.com, the Mortgage Originator will provide a good faith estimate that discloses settlement charges and loan terms. At the time a good faith estimate is provided to the borrower, the Mortgage Originator must identify in writing an itemized list that provides the recipient of all payments charged to the borrower. The documentation you receive will also include information on whether any fees paid are refundable.
YOU ARE NOT REQUIRED TO PURCHASE ADDITIONAL PRODUCTS OR SERVICES FROM BILLS.COM OR FROM ANY PERSON OR ENTITY SUGGESTED OR RECOMMENDED BY BILLS.COM. HOWEVER, BILLS.COM RESERVES THE RIGHT TO APPROVE THE ENTITY SELECTED BY YOU, WHICH APPROVAL MAY NOT BE UNREASONABLY WITHHELD.
Georgia - Mortgage Broker/Processor License 31710
Hawaii - Mortgage Loan Originator Company License HI-138464
Illinois - Residential Mortgage License MB.6761031
Indiana - Indiana-SOS Loan Broker License 138464
Iowa - Mortgage Broker License Number 2012-0024
Kentucky - Mortgage Broker License Number: MB93304
Louisiana - Residential Mortgage Lender License, NMLS ID 138464
Maine - Loan Broker License Number: 138464
Per Maine law, we are required to make the following disclosures. Do not sign a loan agreement before you read it. You are entitled to a copy of this agreement. We maintain records of your inquiry and advise you to print out a copy of this agreement for your own purposes.
Written Agreement or Contract
Bills.com does not act as your lender or broker. Bills.com forwards your information to our participating Mortgage Originators who then contact you directly with their offers. Our services are provided free of cost to you and we do not charge or attempt to collect any fees from you. Additionally, Bills.com cannot guarantee the lowest price or best terms or rates available on the market. Our fees are flat and are collected from our partners, the amount from which is not dependent upon whether or not a loan is closed.
This agreement remains in force only for as long as you use the services offered by Bills.com. Should you discontinue this relationship, you will not incur any cost or penalty.
Escrowing of Consumer Funds
Bills.com does not collect fees or any money from the consumer, thus, no escrow account is required.
Consumer Protection Bond
A surety bond in the amount of $25,000 is on file with the Office of Consumer Credit Regulation in the State of Maine. This bond acts as consumer protection for any person or persons who may have a cause of action against a loan broker.
If you have a claim against our company which cannot be resolved through informal means, you may institute an action to recover your loss from that bond by filing a written complaint with the Director, Office of Consumer Credit Regulation, 35 State House Station, Augusta, Maine 04333-0035.
Maryland - Mortgage Lender License 21684
Michigan - First Mortgage Broker License Number FL0017433
Minnesota - Residential Mortgage Originator License Number MN-MO-138464
BILLS.COM IS NOT ACTING AS YOUR AGENT IN CONNECTION WITH OBTAINING A RESIDENTIAL MORTGAGE LOAN. WHILE WE SEEK TO ASSIST YOU IN MEETING YOUR FINANCIAL NEEDS, WE CANNOT GUARANTEE THE LOWEST OR BEST TERMS AVAILABLE IN THE MARKET.
Mississippi - Mortgage Broker License Number 138464
Missouri - Mortgage Company License 18-2216
Montana - Mortgage Broker License Number 138464
Nebraska - Mortgage Banker License Number NE 138464
Nevada - Bills.com, LLC, Nevada Mortgage Broker License No.: 4062
New Jersey - Residential Mortgage Broker License Number 138464
New Mexico - Mortgage Loan Company License Number 138464
North Dakota - Money Broker License Number MB102414
Ohio - Ohio Mortgage Broker License No. MB804104.00 1134 Rosedale St., Maumee, OH 43537-3244
Oklahoma - Mortgage Broker License Number 002277
Oregon - Oregon Mortgage Lender License Number ML-5012
Pennsylvania - Licensed by the Pennsylvania Department of Banking and Securities Mortgage Broker License Number 35166
Rhode Island - Rhode Island Loan Broker License Number 20132876LB
South Carolina - Bills.com LLC South Carolina License Number: MB-1416300 - NMLS ID: 138464
South Dakota - Mortgage Brokerage License Number MB.00026
Tennessee - Mortgage License 125439
Texas - Mortgage Company License – NMLS ID 138464 Individual NMLS ID: 1418611 Individual Name: Michael James Dudding
Residential Mortgage Loan Originator Disclosure
Duties and Nature of Relationship
Bills.com does not act as your lender or broker. Bills.com forwards your information to our participating Mortgage Originators who then contact you directly with their offers.
Our services are provided free of cost to you and we do not charge or attempt to collect any fees from you. Our fees are flat and are collected from our partners, the amount from which is not dependent upon whether or not a loan is closed.
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV.
Utah - Mortgage Entity License 9302772
West Virginia - Mortgage Broker License MB-31925
Wisconsin - Mortgage Broker License 138464BR