DISCLAIMERS & LICENSING
LICENSES
Alpine Premium Financing LLC is licensed in the states of Florida and Texas, with additional state licenses in progress.
NMLS# 2717008
Florida Mortgage Broker License #MBR8061 | Texas SML Mortgage Company License
LEGAL DISCLAIMERS
Alpine Premium Financing LLC is a licensed mortgage brokerage. We are committed to transparency and compliance with all applicable state and federal regulations.
equal housing lender disclaimer
Alpine Premium Financing is an Equal Housing Mortgage Broker. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal Regulations. As prohibited by law, Alpine Premium Financing does not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, military status, marital status, age (provided you are legally able to enter into a binding contract), due to the use of public assistance, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580. All information requested is voluntary and will be kept confidential.
Loan commitment disclaimer
This is not a commitment to make a loan. All loan applicants are subject to borrower qualification, which includes verification of income, property value, creditworthiness, and sufficient home equity to meet loan-to-value (LTV) requirements. Final loan approval is based on underwriting guidelines, applicable interest rates, and loan program terms; all which are subject to change without notice based on applicant eligibility and market conditions.
Refinancing an existing loan may increase the total finance charges over the life of the loan. A reduction in monthly payments may result from a longer loan term. Loan terms may also be subject to the payment of points and fees by applicant.
Alpine Premium Financing is an Equal Opportunity Lender and an Equal Housing Lender.
no guarantee of credit disclaimer
Submitting information through this website does not guarantee loan approval, rate lock, or funding. All programs, terms, and conditions are subject to credit approval, a full underwrite, and loan availability.
Home mortgage disclosure act disclaimer
The Home Mortgage Disclosure Act (HMDA) data for most residential mortgage lending is available for online review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applications and borrowers; and information about loan approvals and denials. This data is available online at the Consumer Financial Protection Bureau's website: www.consumerfinance.gov/hmda
program availability disclaimer
Loan terms, interest rates, and product availability are subject to change without notice. Certain restrictions may apply.
brokered out products disclaimer
Alpine Premium Financing acts as a third-party originator and submits loan packages/applications directly to third party lenders for approval.
accuracy of information disclaimer
The content on this site is provided for informational purposes only and should not be considered legal, financial, or tax advice. Alpine Premium Financing and its loan officers, unless individually licensed and specifically denoted in their credentials, are not qualified to, and are prohibited from representing themselves as accountants, attorneys, certified financial planners, estate planners, investment specialties, or tax experts, and will not advice you on those matters. Seek the advice of a licensed professional.
Pre-approval disclaimer
Mortgage pre-approvals are based on your current financial situation and are subject to change. Final loan approval is contingent upon continued verification of credit, income, assets, and property value. Please note that your credit report may be re-pulled at closing to ensure no changed have occurred.
Any of the following may impact your pre-approval status:
Changes to the sales price, contract terms, or closing date
Low appraisal or appraisal-related conditions
New credit inquiries or additional debt
Changes in employment or income
Co-signing on a loan for another party
Large, undocumented deposits or asset transfers
Collection accounts, liens, or other derogatory credit events
To avoid delays or risk of denial, do not make any financial changes without first consulting a loan professional.
Texas residents disclaimer
Consumers wishing to file a compliant against a mortgage company or residential mortgage loan originator licensed in Texas should send a completed complaint form to The Department of Savings and Mortgage Lending (SML): 2601 N. Lamar Blvd., Suite 201, Austin, Texas 78705; TEL: 1-877-276-5550. Information and forms are available on SML's website: SML.TEXAS.GOV
rate sheet disclaimer
Rate sheet information is intended for general reference purposes and only reflects market conditions as of the date of publication. It is designed for use by mortgage professionals and their partners and is not intended for public distribution, online posting, or as a formal rate quote.
Rates, points, APR, and closing costs can vary based on loan features, borrower credit profile, property location, and other qualifying factors. APR calculations are based on estimated origination points, discount fees, and average closing costs, and may not reflect your actual loan scenario.
All rates, terms, and costs are subject to change without notice and may vary by state or selected loan product. For the most accurate and personalized rate information, please contact your Alpine Premium Financing Loan Officer directly.
Note: Adjustable-rate mortgages (ARMs) include interest rates that may increase after loan consummation.
Grant & loan program disclaimer
Grant programs are offered by third-party entities and are subject to their specific eligibility requirements, restrictions, and availability. Qualification criteria may include (but is not limited to): income relative to area median income (AMI), household size, first-time homebuyer status, and property location.
Some grants may include conditions that require repayment, such as using the home as your primary residence for a minimum period. You loan officer can help you understand current grant availability, eligibility requirements, and any applicable conditions.
Alpine Premium Financing does not guarantee grant qualification or the availability of funds from any third-party provider.
Alpine Premium Financing
501 Harbor Boulevard, Suite C
Destin, FL 35241
(281) 824-2737
NMLS ID
The material found on this website is not from HUD or FHA and has not been approved by HUD or a government agency.
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