Website Disclosures & Licensing

Effective Date: September 2, 2026

Company and Licensing Information

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This website is operated by Grace Modern Financial LLC under the Grace Modern Mortgage brand (“Grace Modern Mortgage,” “GMM,” “we,” “us,” or “our”).

Grace Modern Mortgage provides mortgage brokerage services where properly licensed or otherwise authorized.

Company NMLS ID: 2347296
Address: 11820 Miramar Parkway, Suite S4-207, Miramar, FL 33025
Telephone: 954-945-8694

Consumers may verify our licensing information through NMLS Consumer Access.

Mortgage loan originators associated with Grace Modern Mortgage maintain their own individual NMLS identification numbers. Individual licensing information will be provided when applicable.

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Mortgage Brokerage Services

 

Unless transaction-specific disclosures state otherwise, Grace Modern Mortgage acts as a mortgage broker and arranges mortgage financing through third-party lenders. Grace Modern Mortgage does not represent every lender or loan program available in the marketplace.

The lender identified in the applicable loan documents is responsible for making the final credit decision, issuing any loan commitment, and funding the loan.

Loan programs, interest rates, lender credits, fees, underwriting guidelines, property requirements, and eligibility standards are established by the applicable lender, investor, insurer, guarantor, or government agency and may change without notice.

 

No Offer, Approval, or Commitment to Lend

 

The information presented on this website is for general informational and educational purposes. Nothing on this website constitutes:

• A commitment or guarantee to lend;

• A loan approval or final credit decision;

• A guarantee of any interest rate, annual percentage rate, payment, loan amount, closing date, or loan program;

• A guarantee that a borrower or property will qualify; or

• A contract or agreement to provide credit.

Submitting an inquiry, prequalification request, or mortgage application does not guarantee approval, create a loan commitment, or lock an interest rate.

Prequalification and preapproval determinations may be based on preliminary or unverified information. They remain subject to verification of income, employment, assets, credit, liabilities, occupancy, property value, title, insurance, and other underwriting requirements.

Only written loan disclosures, rate-lock confirmations, approvals, commitments, and closing documents issued for a specific transaction will control that transaction.

 

Rates, APRs, Payments, and Closing-Cost Estimates

 

Interest rates, annual percentage rates, discount points, lender credits, mortgage insurance, closing costs, and loan-program terms are subject to change without notice.

An interest rate is not locked until the borrower receives written confirmation that the rate has been locked in accordance with the applicable lender’s requirements. A verbal discussion, website display, email estimate, prequalification, or application submission does not by itself constitute a rate lock.

Any rate, APR, payment, cash-to-close amount, or savings example displayed on this website is illustrative unless expressly identified as a personalized loan disclosure. Actual terms depend on factors that may include:

• Credit history and credit score;

• Loan amount and loan-to-value ratio;

• Property type, value, condition, and location;

• Occupancy and loan purpose;

• Debt-to-income or cash-flow requirements;

• Income, employment, assets, and reserves;

• Loan term and amortization type;

• Discount points and lender credits; and

• Market conditions at the time the rate is locked.

Unless expressly stated otherwise, estimated mortgage payments may not include property taxes, homeowners insurance, flood insurance, mortgage insurance, homeowners association assessments, special assessments, or other property-related expenses.

 

Website Calculators and Educational Tools

 

Mortgage calculators, affordability estimates, debt-to-income calculations, rate comparisons, amortization schedules, rent-versus-buy analyses, and other tools on this website provide estimates only.

Calculator results are based on the information entered and assumptions used by the tool. They are not a Loan Estimate, Closing Disclosure, approval, appraisal, financial plan, or commitment to lend. Actual payments and costs may differ materially.

 

Alternative-Documentation and “No Income Verification” Programs

 

References to “no income verification,” “no-DTI,” “stated income,” “bank-statement,” “asset-based,” “DSCR,” or similar programs do not mean that a loan is available without underwriting, documentation, or an evaluation of credit risk. These terms generally describe programs that may use documentation or qualification methods different from those used for traditional agency mortgages.

Depending on the loan purpose, occupancy, property, and program, a lender may evaluate bank statements, business cash flow, profit-and-loss statements, assets, reserves, rental income, debt-service coverage, property equity, credit history, or other information.

Consumer-purpose mortgage loans remain subject to applicable ability-to-repay and underwriting requirements. Certain programs may be limited to investment-property, commercial, or other business-purpose transactions.

Program availability is not guaranteed, and all borrowers and properties must satisfy the applicable lender’s guidelines.

 

Refinancing and Debt Consolidation

 

Refinancing an existing mortgage may result in higher total finance charges over the life of the new loan, even when the monthly payment or interest rate is lower.

Using home equity to pay unsecured debts may convert those obligations into debt secured by the borrower’s home. Failure to meet the obligations of a mortgage loan may result in default and foreclosure.

Borrowers should consider the new loan term, total interest, closing costs, prepayment considerations, and long-term financial impact—not only the proposed monthly payment.

Reverse Mortgage and HECM Information

 

A reverse mortgage is a loan. Interest and applicable fees are added to the loan balance, and the balance generally increases over time.

Reverse-mortgage borrowers must continue satisfying the obligations contained in their loan documents. These obligations may include occupying the property as a principal residence, paying property taxes, maintaining required homeowners and flood insurance, paying applicable homeowners association charges, and maintaining the property. Failure to satisfy these obligations may result in default and foreclosure.

A reverse mortgage generally becomes due and payable after a maturity event described in the loan documents, which may include the last eligible borrower permanently leaving the property, selling the property, or passing away.

Applicants for an FHA-insured Home Equity Conversion Mortgage must complete counseling with a HUD-approved housing counseling agency and satisfy all applicable program requirements.

This material is not from HUD or FHA and has not been approved by HUD, FHA, or any other government agency. Grace Modern Mortgage is not acting on behalf of HUD, FHA, or any other government agency.

 

Government and Agency Program References

 

References to FHA, VA, USDA, Fannie Mae, Freddie Mac, HUD, government-insured loans, down-payment-assistance programs, or other agency programs are provided for informational purposes.

Unless expressly stated otherwise, Grace Modern Mortgage is not affiliated with, endorsed by, or acting on behalf of any government agency. Government insurance or guaranty of an eligible mortgage loan does not constitute government endorsement of Grace Modern Mortgage.

Program names, requirements, limits, benefits, and availability are subject to change.

 

Equal Housing Opportunity and Fair Lending

 

Grace Modern Mortgage supports Equal Housing Opportunity.

We do not discriminate in any aspect of a mortgage transaction on the basis of race, color, religion, national origin, sex, marital status, age—provided the applicant has the legal capacity to enter into a contract—familial status, disability, receipt of income from a public-assistance program, good-faith exercise of rights under the Consumer Credit Protection Act, or any other basis prohibited by applicable law.

Credit and program decisions are based on lawful financial, credit, property, occupancy, and underwriting criteria.

 

Testimonials, Reviews, and Client Examples

 

Testimonials, reviews, success stories, loan scenarios, and descriptions of past transactions reflect individual experiences and circumstances. They do not guarantee that another borrower will receive the same interest rate, loan terms, savings, approval, or closing timeline.

Statements concerning previous closing times or transaction results are not promises of future performance. Each mortgage transaction is different and remains subject to underwriting, property, title, appraisal, insurance, lender, and closing requirements.

 

Professional Advice

 

Website content is not intended to provide legal, tax, accounting, investment, estate-planning, or other professional advice. Consumers should consult qualified professionals regarding their individual circumstances.

Mortgage guidance becomes specific only after an appropriately licensed mortgage loan originator reviews the consumer’s information and applicable loan-program requirements.

 

Third-Party Content and Links

 

This website may contain information, calculators, rate feeds, logos, references, or links provided by lenders, government agencies, service providers, or other third parties.

Third-party websites and services operate under their own terms and privacy practices. Grace Modern Mortgage does not control and is not responsible for the accuracy, availability, security, or content of independently operated third-party websites.

Reference to a third party does not necessarily constitute an endorsement, guarantee, exclusive relationship, or representation that a particular product will be available.

 

Privacy and Information Security

 

The collection and use of information submitted through this website are governed by our Privacy Policy and applicable privacy notices.

Consumers should submit Social Security numbers, financial documents, account information, and other sensitive information only through an approved secure application or document-upload system. Sensitive information should not be transmitted through ordinary email, text message, social media, or an unsecured contact form.

 

Accuracy and Updates

 

Grace Modern Mortgage makes reasonable efforts to present accurate and current information. Mortgage guidelines, rates, laws, market conditions, government programs, and third-party information may change without notice.

We may revise or remove website content when appropriate. Nothing in these disclosures waives or limits any consumer right or protection provided by applicable law.

 

Contact Us

Questions concerning these disclosures or Grace Modern Mortgage’s services may be directed to:

Grace Modern Financial LLC
Grace Modern Mortgage
NMLS ID #2347296
11820 Miramar Parkway
Suite S4-207
Miramar, FL 33025
Telephone: 954-945-8694

Licensing information is available through NMLS Consumer Access.

Equal Housing Opportunity