NMLS Consumer Access & License Verification
Verify Your Mortgage Professional's Credentials
Jimmy Joseph - NMLS #1577754
Licensed Mortgage Loan Originator | CMG Home Loans
Authorized to Conduct Business in New Jersey
What is the NMLS?
The Nationwide Multistate Licensing System (NMLS) is the system of record for non-depository financial services licensing in participating state agencies.
NMLS Purpose
NMLS was created to enhance consumer protection and reduce regulatory burden through improved coordination and information sharing among state and federal regulators.
- Standardizes licensing requirements across states
- Provides transparency for consumer protection
- Tracks professional history and disciplinary actions
- Ensures ongoing education and compliance
Consumer Protection
NMLS Consumer Access provides free, real-time access to verify the credentials of mortgage professionals and companies.
- Verify licensing status in your state
- Check employment history and experience
- View any disciplinary or regulatory actions
- Confirm authorized business activities
Today's Mortgage Rates - September 25, 2025
Current rates from licensed professionals in Bergen County, NJ
30-Year Fixed
6.75%
Conventional
FHA 30-Year
6.50%
3.5% down
VA 30-Year
5.50%
0% down
Jumbo 30-Year
7.25%
20% down
*Rates shown are for illustration purposes. Actual rates depend on credit score, down payment, and other factors. Contact Jimmy Joseph NMLS #1577754 for personalized rates.
How to Verify a Mortgage Professional's License
Visit NMLS Consumer Access
Go to www.nmlsconsumeraccess.org - the official free website for verifying mortgage professionals.
Visit NMLS WebsiteEnter NMLS Number
Enter the NMLS ID (e.g., 1577754 for Jimmy Joseph) or search by name and state.
NMLS #1577754
Review Information
View licensing status, authorized states, company affiliation, and any disciplinary actions.
What to Look for in NMLS Consumer Access
Green Flags
- "Authorized to Conduct Business" in your state
- Active license status
- Clear company affiliation (e.g., CMG Home Loans)
- Multiple years of experience
- No disciplinary actions
Red Flags
- No NMLS number or not found in system
- Inactive or terminated license status
- Not authorized in your state
- Multiple disciplinary actions
- Frequent company changes
Jimmy Joseph's Verified Credentials
License Information
- NMLS ID: 1577754
- Status: Active
- Company: CMG Home Loans
- Authorized States: New Jersey
- License Type: Mortgage Loan Originator
Professional Qualifications
- Background check passed
- SAFE Act education completed
- National and state testing passed
- Annual continuing education maintained
Specializing in Bergen County Home Loans
Why NMLS Verification Matters for Bergen County Homebuyers
Consumer Protection
NMLS verification ensures you're working with a legitimate, licensed professional who has met all state and federal requirements. This protects you from fraud and unqualified individuals.
Regulatory Compliance
Licensed professionals like Jimmy Joseph (NMLS #1577754) must follow strict federal and state regulations, ensuring your loan process meets all legal requirements and protections.
Professional Standards
NMLS-licensed originators must maintain continuing education, pass comprehensive exams, and undergo background checks, ensuring high professional standards and expertise.
Serving All 70 Municipalities in Bergen County
As a licensed mortgage professional (NMLS #1577754), Jimmy Joseph serves all Bergen County communities with personalized home financing solutions.
Northern Bergen
Mahwah, Ramsey, Wyckoff
Central Bergen
Paramus, Ridgewood, Fair Lawn
Eastern Bergen
Fort Lee, Edgewater, Englewood
Southern Bergen
Rutherford, Lyndhurst, Garfield
Frequently Asked Questions About NMLS
What is an NMLS number?
The NMLS (Nationwide Multistate Licensing System) number is a unique identifier assigned to mortgage companies and individual loan originators. It helps consumers verify that their mortgage professional is properly licensed and authorized to conduct business in their state.
How do I verify Jimmy Joseph's NMLS #1577754?
Visit www.nmlsconsumeraccess.org and enter '1577754' in the NMLS ID field. You'll see Jimmy Joseph's complete licensing information, including his authorization to conduct business in New Jersey, his company affiliation with CMG Home Loans, and his professional background.
Why is NMLS verification important?
NMLS verification protects consumers by ensuring their mortgage professional is properly licensed, has met education requirements, passed background checks, and maintains good standing with regulatory agencies. It provides transparency and helps prevent mortgage fraud.
What information can I find on NMLS Consumer Access?
You can view licensing status, authorized states, company affiliations, employment history, disciplinary actions (if any), and regulatory actions. This comprehensive background information helps you make informed decisions about your mortgage professional.
Is NMLS Consumer Access free to use?
Yes, NMLS Consumer Access is a completely free service provided to help consumers verify the credentials of mortgage professionals and companies. There's no registration required and you can search as many times as needed.
What if a loan officer doesn't have an NMLS number?
All mortgage loan originators conducting business must have an NMLS number. If someone claiming to be a loan officer cannot provide their NMLS number or it doesn't appear in the system, do not proceed with them. Contact your state's banking department immediately.
How often is NMLS information updated?
NMLS information is updated regularly as changes occur. License statuses, company affiliations, and other critical information are typically updated within 24-48 hours of any changes being processed by state regulators.
Can I file a complaint through NMLS?
While NMLS Consumer Access shows complaint history, you cannot file complaints directly through NMLS. Complaints should be filed with your state's banking or financial services department, which will then be reflected in the NMLS system if substantiated.
Work with a Verified, Licensed Professional
Jimmy Joseph, NMLS #1577754, is ready to help you achieve your homeownership goals in Bergen County
NMLS Verified
#1577754
Licensed in
New Jersey
Company
CMG