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Licensing and disclosures

Effective October 14, 2026

Verify our licenses

Every mortgage company and loan originator in the United States has a public record on NMLS Consumer Access, the official registry run by state regulators. Look us up before you share any personal information with any lender:

  • Complete Mortgage LLC, company NMLS ID 2085547: search the company ID on NMLS Consumer Access to see licensed states, trade names and any regulatory actions.
  • Juan Fernando Romero, individual NMLS ID 2557318: search the individual ID on NMLS Consumer Access to confirm the license is active and sponsored by Complete Mortgage LLC.

If a license you expect to see is missing, or anything in the record surprises you, ask us about it before you proceed. A legitimate lender welcomes the question.

Licensed company

Instant Money Mortgage is a trade name of Complete Mortgage LLC, a licensed mortgage broker.

Legal nameComplete Mortgage LLC
Trade nameInstant Money Mortgage
Company NMLS ID2085547
Main office160 S Dixie Hwy, Office #770, Hollywood, FL 33020
Phone(888) 647-9902

Loan originator

NameJuan Fernando Romero
Individual NMLS ID2557318
Sponsoring companyComplete Mortgage LLC, NMLS ID 2085547

State licenses for owner-occupied residential loans

We arrange owner-occupied home loans nationwide. Our licensed states are growing, submit your scenario and we will confirm the licensed loan officer and company license for your state before you move forward. Current license status for the company and the loan originator can be verified at any time on NMLS Consumer Access.

StateLicenseNumberRegulator
AlabamaMortgage licenseSee NMLS record
AlaskaMortgage licenseSee NMLS record
ArizonaMortgage licenseSee NMLS record
ArkansasMortgage licenseSee NMLS record
CaliforniaMortgage licenseSee NMLS record
ColoradoMortgage Company RegistrationSee NMLS recordColorado Division of Real Estate
ConnecticutMortgage licenseSee NMLS record
DelawareMortgage licenseSee NMLS record
District of ColumbiaMortgage licenseSee NMLS record
FloridaMortgage Broker LicenseSee NMLS recordFlorida Office of Financial Regulation
GeorgiaGeorgia Residential Mortgage LicenseeSee NMLS recordGeorgia Department of Banking and Finance
HawaiiMortgage licenseSee NMLS record
IdahoMortgage licenseSee NMLS record
IllinoisMortgage licenseSee NMLS record
IndianaMortgage licenseSee NMLS record
IowaMortgage licenseSee NMLS record
KansasMortgage licenseSee NMLS record
KentuckyMortgage licenseSee NMLS record
LouisianaMortgage licenseSee NMLS record
MaineMortgage licenseSee NMLS record
MarylandMortgage licenseSee NMLS record
MassachusettsMortgage licenseSee NMLS record
MichiganMortgage licenseSee NMLS record
MinnesotaMortgage licenseSee NMLS record
MississippiMortgage licenseSee NMLS record
MissouriMortgage licenseSee NMLS record
MontanaMortgage licenseSee NMLS record
NebraskaMortgage licenseSee NMLS record
NevadaMortgage licenseSee NMLS record
New HampshireMortgage licenseSee NMLS record
New JerseyMortgage licenseSee NMLS record
New MexicoMortgage licenseSee NMLS record
New YorkMortgage licenseSee NMLS record
North CarolinaMortgage licenseSee NMLS record
North DakotaMortgage licenseSee NMLS record
OhioMortgage licenseSee NMLS record
OklahomaMortgage licenseSee NMLS record
OregonMortgage licenseSee NMLS record
PennsylvaniaMortgage licenseSee NMLS record
Rhode IslandMortgage licenseSee NMLS record
South CarolinaMortgage licenseSee NMLS record
South DakotaMortgage licenseSee NMLS record
TennesseeMortgage licenseSee NMLS record
TexasResidential Mortgage Loan Company LicenseSee NMLS recordTexas Department of Savings and Mortgage Lending
UtahMortgage licenseSee NMLS record
VermontMortgage licenseSee NMLS record
VirginiaMortgage licenseSee NMLS record
WashingtonMortgage licenseSee NMLS record
West VirginiaMortgage licenseSee NMLS record
WisconsinMortgage licenseSee NMLS record
WyomingMortgage licenseSee NMLS record

Where a license number is not shown, see the current record on NMLS Consumer Access (Company NMLS ID 2085547).

Business-purpose investment property loans

Loans made primarily for business or investment purposes and secured by non-owner-occupied property, such as DSCR, fix and flip, bridge and construction loans, are arranged in states where permitted by applicable law. These loans are generally not consumer loans and are not subject to certain consumer disclosure requirements. Availability, terms and licensing requirements vary by state and by lender.

Texas consumer notice

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 website at www.sml.texas.gov.

Equal Housing Opportunity

We do business in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act. See our fair lending statement.

General disclosure

This website is for informational purposes only. It is not a commitment to lend, an offer of credit, or a guarantee of any rate or term. All loans are subject to credit approval, underwriting guidelines, appraisal, title, property eligibility and program availability. Programs, rates, terms and conditions may change without notice.

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