Licensing and Disclosures
Before sharing personal mortgage information, you should be able to verify licensing, company information, Equal Housing language, and the limits of educational content.
Before you decide
- You can verify mortgage licensing through NMLS Consumer Access.
- Educational content is not the same as personal advice, loan approval, or a commitment to lend.
- Privacy, SMS, email, licensing, and company disclosures matter when you ask a mortgage question.
Verify The Mortgage Professional
Nick Cunningham is listed as a California mortgage advisor, NMLS #907393. Golden Bay Mortgage Group is listed as NMLS #1403489. You can verify licensing information through NMLS Consumer Access before sharing personal mortgage information.
What This Site Can And Cannot Do
Equal Housing Opportunity. This site provides educational mortgage information only. It is not a loan approval, loan application, rate quote, underwriting decision, or commitment to lend.
Other Rules That May Apply
Mortgage communications may be affected by privacy, text-message, email, licensing, state lending, and company requirements. The goal is to answer questions in a way that respects those rules.
Keep reading
Nick Cunningham is a California mortgage advisor focused on reverse mortgage, HELOC, purchase, refinance, and home-equity education, with NMLS #907393 shown for verification.
How Mortgage Information Is ReviewedMortgage education should be clear, sourced where possible, reviewed, and separated from personal loan advice.
Where Mortgage Information Comes FromMortgage rules can be complex, so this site tries to rely first on official agencies, regulators, program handbooks, and licensing references.
Privacy PolicyThis privacy policy explains what you may share through the site's mortgage question forms, how that information may be used, and what you should not send.
SMS TermsThe SMS terms explain optional text-message follow-up for mortgage inquiries, opt-out language, and consent choices.
Where this information comes from
NMLS - official
https://www.nmlsconsumeraccess.org/Nationwide Multistate Licensing System - official
https://mortgage.nationwidelicensingsystem.org/about/Pages/NMLSConsumerAccess.aspxState of California - official
https://www.dre.ca.gov/Reviewed by Nick Cunningham, NMLS #907393. Last reviewed 2026-06-07.
Educational information only. Not personal financial, legal, tax, or benefits advice.