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 name | Complete Mortgage LLC |
|---|---|
| Trade name | Instant Money Mortgage |
| Company NMLS ID | 2085547 |
| Main office | 160 S Dixie Hwy, Office #770, Hollywood, FL 33020 |
| Phone | (888) 647-9902 |
Loan originator
| Name | Juan Fernando Romero |
|---|---|
| Individual NMLS ID | 2557318 |
| Sponsoring company | Complete 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.
| State | License | Number | Regulator |
|---|---|---|---|
| Alabama | Mortgage license | See NMLS record | |
| Alaska | Mortgage license | See NMLS record | |
| Arizona | Mortgage license | See NMLS record | |
| Arkansas | Mortgage license | See NMLS record | |
| California | Mortgage license | See NMLS record | |
| Colorado | Mortgage Company Registration | See NMLS record | Colorado Division of Real Estate |
| Connecticut | Mortgage license | See NMLS record | |
| Delaware | Mortgage license | See NMLS record | |
| District of Columbia | Mortgage license | See NMLS record | |
| Florida | Mortgage Broker License | See NMLS record | Florida Office of Financial Regulation |
| Georgia | Georgia Residential Mortgage Licensee | See NMLS record | Georgia Department of Banking and Finance |
| Hawaii | Mortgage license | See NMLS record | |
| Idaho | Mortgage license | See NMLS record | |
| Illinois | Mortgage license | See NMLS record | |
| Indiana | Mortgage license | See NMLS record | |
| Iowa | Mortgage license | See NMLS record | |
| Kansas | Mortgage license | See NMLS record | |
| Kentucky | Mortgage license | See NMLS record | |
| Louisiana | Mortgage license | See NMLS record | |
| Maine | Mortgage license | See NMLS record | |
| Maryland | Mortgage license | See NMLS record | |
| Massachusetts | Mortgage license | See NMLS record | |
| Michigan | Mortgage license | See NMLS record | |
| Minnesota | Mortgage license | See NMLS record | |
| Mississippi | Mortgage license | See NMLS record | |
| Missouri | Mortgage license | See NMLS record | |
| Montana | Mortgage license | See NMLS record | |
| Nebraska | Mortgage license | See NMLS record | |
| Nevada | Mortgage license | See NMLS record | |
| New Hampshire | Mortgage license | See NMLS record | |
| New Jersey | Mortgage license | See NMLS record | |
| New Mexico | Mortgage license | See NMLS record | |
| New York | Mortgage license | See NMLS record | |
| North Carolina | Mortgage license | See NMLS record | |
| North Dakota | Mortgage license | See NMLS record | |
| Ohio | Mortgage license | See NMLS record | |
| Oklahoma | Mortgage license | See NMLS record | |
| Oregon | Mortgage license | See NMLS record | |
| Pennsylvania | Mortgage license | See NMLS record | |
| Rhode Island | Mortgage license | See NMLS record | |
| South Carolina | Mortgage license | See NMLS record | |
| South Dakota | Mortgage license | See NMLS record | |
| Tennessee | Mortgage license | See NMLS record | |
| Texas | Residential Mortgage Loan Company License | See NMLS record | Texas Department of Savings and Mortgage Lending |
| Utah | Mortgage license | See NMLS record | |
| Vermont | Mortgage license | See NMLS record | |
| Virginia | Mortgage license | See NMLS record | |
| Washington | Mortgage license | See NMLS record | |
| West Virginia | Mortgage license | See NMLS record | |
| Wisconsin | Mortgage license | See NMLS record | |
| Wyoming | Mortgage license | See 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.
