Licensing and Disclosures
LICENSING
Scenic Oaks Funding, LLC dba Penrith Home Loans
Equal Housing Lender
NMLS 252939, AZ-1050029, CA-4170051, CO-252939, ID-MBL-2080252939, NV -5828, OR-252939, TX-252939,UT-13587340, UT-13611818, WA-CL-252939
| State | Licensing | Registered DBAs | License Held |
| Arizona | 1050029 | Mortgage Company Registration | |
| California | 4170051 | Penrith Home Loans Penrith Mortgage |
Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. |
| Colorado | 252939 | Mortgage Company Registration | |
| Idaho | MBL-2080252939 | Penrith Home Loans | Mortgage Broker/Lender License |
| Nevada | 5828 | Mortgage Lending License | |
| Oregon | 252939 | Penrith Mortgage
Penrith Home Loans |
Mortgage Lending License |
| Texas | 252939 | SML Mortgage Banker Registration | |
| Utah | 13587340 | Mortgage Entity License | |
| Utah | 13611818 | Mortgage Entity License – Other Trade Name #1 | |
| Washington | CL-252939 | Penrith Home Loans | Consumer Loan License |
HMDA DISCLOSURE STATEMENTS
Click here for more information on Penrith Home Loans’s HMDA Disclosure Reports.
ONLINE OR PRINTED ADVERTISEMENTS
Published advertisements, social media posts and/or similar documents are not intended as an offer to extend credit nor a commitment to lend.
CERTIFIED BUYER PROGRAM
Some restrictions apply. Please see complete Penrith Home Loans Guarantee Certificate for more information, and visit www.thecertifiedbuyer.com for full program details.
Certified Buyer Guarantee
All borrowers must be W-2 employees. Guarantee commences 21 calendar days from mutual acceptance of fully executed Purchase and Sale Agreement and authorization to order appraisal. Guarantee not available if Buyer changes or agrees to change of loan program, or if there is a material change in the Buyer’s income, assets, or credit profile. Guarantee not available to Buyers or Sellers that are not natural persons, are licensed real estate agents, or are employed by or affiliated with a real estate service provider. In the event a Guarantee payment is to be made, payment will be made by check and cannot be credited to the costs or down payment associated with this transaction. Multiple Buyers or multiple Sellers shall receive only one Guarantee payment. Loan must close by the Guarantee expiration date. Guarantee shall not apply if closing date is not met due to delays caused by Buyer and/or Seller (e.g. more than 2 business days). Guarantee contingent upon timely receipt of escrow, title, and appraisal acceptable to the lender, investor, and insurers. Loan must receive final loan approval by Private Mortgage Insurer (if applicable).
Last updated: 02/20/24