Licensing & Regulatory Information
ES Financial LLC is committed to transparency and regulatory compliance
Loan Originator Information
All mortgage loan originators must be licensed and registered with the Nationwide Multistate Licensing System (NMLS).
Loan Originator
Alan Chrem
NMLS ID
#307620
Company
ES Financial LLC
Location
New York, NY
State Licensing
ES Financial LLC is authorized to originate mortgage loans in multiple states. Specific state licensing information can be verified through the NMLS Consumer Access portal using the NMLS ID provided above.
Licensed States Include:
Note: State licensing is subject to change. Please verify current licensing status through NMLS Consumer Access.
Equal Housing Opportunity
ES Financial LLC is an Equal Housing Lender. We comply with all applicable federal and state fair lending laws and regulations. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or because all or part of your income may be derived from any public assistance program.
Equal Housing Lender
Committed to fair lending practices
Business Purpose Lending
Important Notice: ES Financial LLC specializes in business purpose loans for real estate investors. All loan programs described on this website are for business and investment purposes only and are not intended for personal, family, or household use.
Business Purpose Loans: These loans are exempt from certain consumer protection regulations under the Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA) because they are made for business or commercial purposes rather than personal, family, or household purposes.
General Disclosures
Not a Commitment to Lend: The information provided on this website and in any communications does not constitute a commitment to lend. All loans are subject to credit approval, property evaluation, and satisfaction of all underwriting requirements.
Rates and Terms: Interest rates, loan programs, terms, and conditions are subject to change without notice. The rates and terms quoted are estimates and may vary based on credit profile, property type, loan-to-value ratio, and other factors.
Property Appraisal: All loans require a professional property appraisal. The loan amount is based on the lesser of the purchase price or appraised value.
Prepayment: Prepayment penalties may apply to certain loan programs. Please review your loan documents carefully for specific terms.
Additional Restrictions: Additional restrictions, limitations, and conditions may apply. Please contact us for complete details on any loan program.
Questions About Licensing or Compliance?
We're committed to transparency and regulatory compliance. Contact us with any questions.