How do I verify a loan officer's license?

Visit nmlsconsumeraccess.org, search by name or NMLS number. Current license, state authorizations, and history are public.

Are you a bank or a broker?

A mortgage brokerage — we place loans with a panel of lenders rather than funding from our own balance sheet.

Do you specialize in any particular loan type?

Primary focus: Non-QM and portfolio — bank statement, DSCR, 1099, P&L, asset depletion, foreign national.

How do I get started?

The 60-second check-in identifies your income structure and programs. No credit pull, no tax returns to start.

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Licensed mortgage professionals who specialize in business-owner income

Q: What states do you operate in?

Specific states where licensed. The check-in confirms state availability for your transaction.

Sunrise's team consists of licensed mortgage loan originators who work specifically with self-employed borrowers, investors, and business owners. Our focus is Non-QM and portfolio lending — bank statement, DSCR, 1099, P&L, and asset depletion programs.

By Sunrise Lending

What specialization means in mortgage lending

A generalist loan officer sees a self-employed file and sends it to a conventional underwriter who flags the Schedule C income. A specialist reads the file first and identifies the right program — bank statement, 1099, P&L — before a single document is submitted. The right program selection at intake saves weeks and prevents unnecessary denials.

What you need to know

Licensed MLOs — NMLS-registered, licensed in states where we operate
Non-QM focus: bank statement, DSCR, 1099, P&L, asset depletion, foreign national
Business-owner intake process: reviews income structure before selecting program
Transparent communication: written scenario summary before application
Investor experience: DSCR portfolio loans for multi-property investors
No pressure sales process: we tell you when to wait and come back

How our intake process works

When a self-employed borrower starts with Sunrise, the process begins with a scenario review — not a rate quote. The loan officer reviews the borrower's income structure (what they earn, how it flows through their accounts, what their tax returns show), identifies the income documentation that maximizes qualifying income, and selects the program accordingly.

This sequencing matters. A borrower who goes to a conventional lender first, gets declined because of their Schedule C income, and then comes to Sunrise has lost 30–60 days. The intake-first approach identifies the right program before the formal application, so the process moves faster and with fewer surprises.

NMLS licensing and disclosure

All Sunrise loan originators are registered through the Nationwide Multistate Licensing System (NMLS). You can verify any MLO's license and regulatory history at nmlsconsumeraccess.org. We operate in the states where we are licensed — the check-in confirms state availability for your specific transaction.

Our lender relationships

As a brokerage, Sunrise works with a panel of Non-QM and portfolio lenders. This means we can match your specific scenario — income type, property type, loan amount, LTV — to the lender whose program is the best fit, rather than being limited to one lender's product set. Our lender relationships include specialists in bank statement, DSCR, 1099, P&L, asset depletion, and foreign national programs.

What we tell you when the answer is no

Not every scenario is ready today. Sometimes the right answer is: improve the DSCR ratio on the investment property, establish 12 more months of self-employment history, build up reserves, or wait for the rate environment to shift. When that's the case, we tell you explicitly — with a clear path to what "ready" looks like — rather than pushing a transaction that doesn't serve you.

Common questions

How do I verify a loan officer's license?: All licensed mortgage loan originators are registered in the NMLS. Visit nmlsconsumeraccess.org, search by name or NMLS number, and verify current license status, disciplinary history, and state authorizations. We encourage every borrower to verify before engaging.
Are you a bank or a broker?: We are a mortgage brokerage. We originate loans and place them with a panel of lenders — we do not fund loans from our own balance sheet. Brokerage model advantages: access to multiple lenders' programs, ability to match your scenario to the best-fit product.
What states do you operate in?: Sunrise is licensed in specific states. The check-in identifies whether we can serve your transaction based on the subject property's location. State licensing varies by MLO and product type.
Do you specialize in any particular loan type?: Our primary focus is Non-QM and portfolio lending for self-employed borrowers and real estate investors: bank statement, DSCR, 1099, P&L-only, asset depletion, and foreign national programs. We also originate conventional, FHA, and VA loans.
How do I get started?: The 60-second check-in is the fastest path. It identifies your income structure, the programs available to you, and produces a scenario summary a licensed officer reviews within one business day. No credit pull, no tax returns to start.

Ready to see your options?

The 60-second check-in matches you to the right program. A licensed Sunrise loan officer reviews before anything formal moves.

Get started

Related resources

Sources

1.Nationwide Multistate Licensing System (NMLS). NMLS Consumer Access — license verification — Accessed June 2026
2.Consumer Financial Protection Bureau (CFPB). Mortgage loan originators: what you need to know — Accessed June 2026
3.U.S. Department of Housing and Urban Development (HUD). SAFE Mortgage Licensing Act — Accessed June 2026

Sunrise Lending is a licensed mortgage brokerage. Licensing, product availability, and state coverage vary. Verify license information at nmlsconsumeraccess.org.

Sunrise Lending · Equal Housing Opportunity. Matching rules are written and reviewed by licensed mortgage professionals. All loan decisions are made by licensed mortgage professionals. Not a commitment to lend. Loan approval subject to underwriting guidelines. This is not financial advice.