Licensing & Disclosures

Last Updated: March 2025

NMLS Consumer Access

The Nationwide Multistate Licensing System (NMLS) is the official system of record for participating state mortgage licensing. Consumers can use NMLS Consumer Access to verify whether a mortgage company or mortgage loan originator (MLO) is authorized to conduct business in their state.

Verify our licensing status at www.nmlsconsumeraccess.org.

Consumer Residential Lending

Airus Lending is licensed to originate consumer residential mortgages in the following states:

California
Florida
Texas
Washington
Colorado
Arizona
Georgia

Consumer residential lending includes purchase, refinance, home equity, and construction loans for borrowers' primary residences, second homes, and qualifying investment properties under consumer protection regulations.

Business-Purpose & Commercial Lending

Certain business-purpose loans, including DSCR investment property loans, commercial real estate financing, SBA loans, and bridge/fix-and-flip programs, may be available in additional states through approved lending partners. Availability varies by state, lender, loan purpose, borrower/entity structure, property use, and applicable licensing or regulatory requirements. Airus Lending will not solicit, arrange, or originate any loan in a state where licensing or regulatory authority is required unless properly authorized.

Broker Disclosure

Airus Lending is a mortgage broker. We help borrowers compare lender options. We do not set agency guidelines and we do not make credit decisions. Final approval depends on the lender, automated underwriting findings, documentation, state requirements, and overall borrower profile.

Rates, terms, and program availability are subject to change without notice and vary by lender, borrower profile, property type, and state. This website is not a commitment to lend. Any information provided is for educational and informational purposes only.

Equal Credit Opportunity

Airus Lending is committed to providing equal credit opportunities to all applicants regardless of race, color, religion, national origin, sex, marital status, age, disability, familial status, or any other protected class under federal, state, or local law.

Fair Lending

We comply with the Fair Housing Act, Equal Credit Opportunity Act (ECOA), and all applicable federal, state, and local fair lending laws and regulations.

Rate & Fee Disclosures

Interest rates, APRs, and fees vary based on credit profile, loan type, property type, and other factors. Rates shown on this website are for illustration purposes only and are not a guarantee of specific terms. A Loan Estimate with specific rates and fees will be provided within 3 business days of receiving your application.

State-Specific Disclosures

Certain states require additional disclosures for mortgage brokers. State-specific licensing details and required disclosures are available upon request. Please contact us or visit NMLS Consumer Access for state-by-state licensing information.

Complaints

If you have a complaint about our services, please contact us at team@joinairus.com or by calling 470-693-9233. You may also file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov/complaint.