Disclosures and Licenses

Forward Loans is a DBA of Forward Holdings LLC, a licensed mortgage company based in Phoenix, Arizona. We are licensed as both a mortgage broker and a non-delegated correspondent mortgage lender. Depending on the loan program, we either arrange financing through wholesale lenders, or originate and fund the loan ourselves and sell it to an investor that provides the underwriting decision. We serve borrowers in eight states.

This page consolidates the regulatory disclosures, state licensing information, and advertising notices that apply to forward.loans and to any communication we publish.

State licensing

Forward Holdings LLC holds the following state mortgage licenses. All licenses are current and in good standing as of the last updated date at the bottom of this page.

State	License	License number	Status
Alabama	Alabama Mortgage Brokers License	NMLS #2006640	Approved
Arizona	Arizona Mortgage Broker License	MB-1012025	Approved
California	California DFPI Financing Law License	60DBO-132727	Approved
Colorado	Colorado Mortgage Company Registration	NMLS #2006640	Approved
Florida	Florida Mortgage Broker License	MBR7919	Approved
Oregon	Oregon Mortgage Lending License	NMLS #2006640	Approved
Texas	Texas SML Mortgage Company License	NMLS #2006640	Approved
Washington	Washington Consumer Loan Company License	CL-2006640	Approved

For verification or to view our licensing record, visit the NMLS Consumer Access page for Forward Holdings LLC.

We do not originate or arrange loans in states where we are not licensed. If you are looking for mortgage financing in a state not listed above, we will refer you to a qualified broker or lender in that market.

Equal Credit Opportunity Act (ECOA)

Forward Loans does not discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), the fact that all or part of the applicant’s income derives from a public assistance program, or the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

The federal agency that administers compliance with ECOA for Forward Holdings LLC is the Consumer Financial Protection Bureau (CFPB), 1700 G Street NW, Washington, DC 20552.

Equal Housing Lender

Forward Loans is an Equal Housing Lender. We are committed to providing equal access to mortgage financing for all applicants regardless of race, color, religion, national origin, sex, marital status, age, familial status, disability, or because all or part of an applicant’s income derives from a public assistance program.

Truth in Lending and Regulation Z

The information presented on forward.loans is for educational purposes only and is not a commitment to lend. The dollar figures, percentages, payment examples, and program terms shown anywhere on the site are illustrative and meant to help borrowers understand the cost structure of a mortgage. They are not rate quotes, payment quotes, or loan offers.

Actual rates, APRs, points, fees, monthly payments, and loan terms depend on the borrower, the property, the loan program, and current market conditions. Rates and terms change with the market and may have moved since the date any specific page was published. A written rate agreement is not in place until issued through our loan origination system.

All loans are subject to full underwriting, including verification of income, assets, and property value. Eligibility is based on information provided at the time of application. Programs and availability vary by state.

Real Estate Settlement Procedures Act (RESPA)

Forward Loans does not pay or receive kickbacks, referral fees, or unearned compensation in exchange for the referral of mortgage business. We comply with the Real Estate Settlement Procedures Act and its implementing regulation, Regulation X.

If Forward Loans participates in any affiliated business arrangement, we will provide an Affiliated Business Arrangement Disclosure Statement at the time of application as required by RESPA.

Privacy and information collection

Forward Loans collects personal information from borrowers and prospective borrowers as part of evaluating loan applications and providing mortgage services. Our complete privacy policy describes what we collect, how we use it, and the choices you have. See the Forward Loans privacy policy for full details.

Communications and TCPA

By submitting an application, request for a quote, or contact form on forward.loans, you consent to receive calls, texts, and emails from Forward Loans at the contact information you provided, including marketing communications. You may opt out of marketing communications at any time by contacting us using the information below or by following the unsubscribe instructions in any marketing email.

Compliance contact

For compliance questions, complaints, or to report a concern about Forward Loans’s advertising, lending practices, or licensing, contact:

Forward Holdings LLC
Attn: Compliance
11201 N Tatum Blvd, Suite 300
Phoenix, AZ 85028

Phone: (602) 730-2270
Email: info@forward.loans

You may also file a complaint with your state mortgage regulator. NMLS Consumer Access (www.nmlsconsumeraccess.org) maintains contact information for each state regulator.

Page information

Last updated: April 29, 2026
Document owner: Forward Loans Compliance

This page is reviewed and updated quarterly, after any change to state licensing, and immediately after any regulatory change that affects Forward Loans’s operations.