Licensing and Corporate Filings for GoRealo®:
GoRealo® is a licensed mortgage loan provider (NMLS #1070755) and a DBA of Consumer Credit Services, LLC. GoRealo® is dedicated to making homeownership more affordable through innovation, automation, and transparency.
- NMLS Consumer Access – Mortgage License #1070755
- USPTO Trademark Search – GoRealo®
- Florida Sunbiz: Fictitious Name Registration GoRealo®
- GoRealo's Parent Company Consumer Credit Services
State Licensing Disclosure for GoRealo®:
- Currently Licensed as Florida Mortgage Broker #MBR1434
- Additional State Licenses are in process as part of a nationwide expansion
Regulatory Compliance:
GoRealo® adheres to all applicable state and federal mortgage lending regulations. All corporate, licensing, and trademark filings are maintained in good standing with the State of Florida, the NMLS, and the USPTO. In addition, our internal consumer protection policies provide an added layer of safeguards to ensure the best interests of our clients are always protected.
- NMLS Consumer Access – Mortgage License #1070755
- USPTO Trademark Search – GoRealo®
- Florida Sunbiz: Fictitious Name Registration GoRealo®
- GoRealo's Parent Company Consumer Credit Services
Consumer Protection:
GoRealo® adheres to all applicable state and federal mortgage lending regulations. All corporate, licensing, and trademark filings are maintained in good standing with the State of Florida, the NMLS, and the USPTO. In addition, our internal consumer protection policies provide an added layer of safeguards to ensure the best interests of our clients are always protected.
Federal Consumer Protection Resources:
- Consumer Finance Protection Bureau Complaints
- US Truth in Lending Rules and Regulations
- US CFPB: Know Before You Owe-Mortgages
- US CFPB: Find a housing counselor
Online Mortgage Applications:
- We do not sell or share your information.
- We do not pull credit reports for online mortgage pre-qualifications.
- We do not spam call or email users of our services.
- Mortgage Pre-Approval Request will be issued only with the users consent to a soft pull credit inquiry.
Security and Safeguards:
GoRealo®, a DBA of Consumer Credit Services maintains industry-leading protections to safeguard client information.
Advanced Firewalls – Multi-layered protection against unauthorized access and malicious traffic.
Isolated Systems – Critical systems are segmented and not directly reachable from the public internet.
End-to-End Encryption – All data in transit and at rest is encrypted using industry-standard protocols.
Credential Protection – User passwords and sensitive information are hashed and securely stored.
SSL/TLS Encryption – All websites enforce secure, encrypted connections.
Continuous Hardening – Security practices are regularly reviewed, tested, and updated to exceed regulatory requirements.
GoRealo® Mission in Mortgage Lending
GoRealo®, a DBA of Consumer Credit Services, LLC, was established on 03/26/2025. GoRealo operates as a consumer-first mortgage lending platform offering instant online pre-approvals, real-time mortgage pre-qualifying, and daily mortgage rates with transparent closing cost estimates. The platform integrates live data from Optimal Blue OBMMI and other market sources to compare competitor lender rates against GoRealo’s mortgage rates published daily, giving consumers verifiable proof of financial savings through lower mortgage interest rates.
Consumer First Lending
The principles that drive our mission to make homeownership more affordable and accessible
Lower Mortgage Rates
To provide homebuyers with the most affordable mortgage rates possible through innovative technology, eliminating inefficiencies, and passing the savings directly to our customers.
Lower Closing Cost
To make homeownership more affordable and accessible to all Americans by fundamentally reshaping how mortgages are originated, processed, and serviced.
100% Transparent
We believe in transparency, innovation, customer-centricity, and above all, making homeownership more affordable for everyone. We pass our savings directly to our customers.
How GoRealo Works
Our streamlined process makes getting a mortgage faster, easier, and more affordable than ever
Apply Online
Complete our simple online application in just 3 minutes to get pre-approved.
Upload Documents
Upload your financial documents securely through our digital portal.
Get Approved
Our automated underwriting system processes your application quickly and securely.
Close On Your Home
Sign your closing documents electronically and move into your new home!
Meet Our CEO, Founder James J. Hammond
The experts behind GoRealo's innovative mortgage platform
James J. Hammond
CEO, Founder of Consumer Credit Services, LLC DBA GoRealo
$1.8B+
Over $1.8 billion in total loan volume originated by Consumer Credit Services, LLC since 1998.
6,000+
More than 6,000 Florida homeowners served through CCS, EquiFund Mortgage® and GoRealo® brands.
10%+
Average 10 % increase in buying power from our 1 % lower rate advantage.
-$300
orrowers save about $300 per month on average compared to traditional lenders (at same loan amount and term).
Our Power Team
Meet the mortgage experts driving Florida's best rates
At GoRealo, our power team brings decades of combined experience in Florida's mortgage market. Our expert loan officers, underwriters, and mortgage specialists work together to secure you the most competitive rates possible.
Our team's deep understanding of Florida's unique real estate markets - from Miami to Jacksonville, Tampa to Orlando - ensures you receive personalized solutions tailored to your specific needs and local market conditions.
