LowRate Home Loans, Inc.
Mortgage Licensing & Consumer Disclosures
Effective Date: July 18, 2026
Last Updated: July 18, 2026
Applies to: www.lowratehomeloans.com
Purpose
This document summarizes mortgage licensing information, consumer notices, and regulatory disclosures applicable to LowRate Home Loans, Inc. as a Texas residential mortgage brokerage. It is intended to support compliance with applicable federal law and the Texas Department of Savings and Mortgage Lending (SML).
1. Company Licensing
LowRate Home Loans, Inc. is licensed to conduct residential mortgage brokerage activities in the State of Texas only.
Company NMLS ID: 2678663
Responsible Mortgage Professional: Les Tuttle
Individual NMLS ID: 313115
2. NMLS Consumer Access
Consumers may verify licensing information through the Nationwide Multistate Licensing System (NMLS) Consumer Access website.
3. Equal Housing Opportunity
LowRate Home Loans, Inc. is an Equal Housing Opportunity mortgage brokerage. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, familial status, receipt of public assistance, or any other protected characteristic under applicable law.
4. Texas Consumer Complaint Notice
Consumers wishing to file a complaint against a mortgage company or residential mortgage loan originator licensed in Texas may submit a complaint to the Texas Department of Savings and Mortgage Lending (SML). The final version of this document and website footer will include the current statutory complaint language and applicable links.
5. Recovery Fund Notice
Where required by Texas law, applicable Recovery Fund notices will be displayed in accordance with SML requirements.
6. No Commitment to Lend
Information presented on this website is informational only and does not constitute a commitment to lend, approval, or extension of credit.
7. Mortgage Products
All mortgage products are subject to underwriting, credit approval, appraisal, investor guidelines, property eligibility, and applicable federal and Texas law.
8. Rate & APR Disclosure
Interest rates, APRs, fees, and loan programs may change without notice and vary based upon borrower qualifications and market conditions.
9. Third-Party Services
Loan applications and formal quotes may be processed through the Arive loan origination platform and other approved service providers.
10. Contact Information
LowRate Home Loans, Inc.
3502 Harbor Pointe Drive
Rowlett, TX 75088
Phone: (214) 221-4008
Email: les@lowratehomeloans.com