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The SAFE Act – the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) is the federal law that was enacted due to the real estate and mortgage crash of 2007-2008. For a lot of committed and expert loan officers who’ve made the mortgage business their careers it’s a long time coming to finally have some national mortgage licensing and tracking system. There will now be a standard for expertise that elevates loan officers to a status similar those other professionals who are needed for real estate transactions which do require licensing and professional credentials like: real estate agents, lawyers, title agencies, insurance agents, and home appraisers.

The purpose of the SAFE Act is to:

  • Provide improved accountability and tracking of loan originators
  • Enhance consumer protections and support anti-fraud measures
  • Provide consumers with free information regarding a loan originator’s work history and public disciplinary and enforcement actions
  • Establish a means by which residential home loan officers would be required to act in the best interests of the consumer
  • Facilitate the collection and disbursement of consumer complaints
  • Provide uniform license applications and reporting requirements for state licensed-loan originators

Due to this Act, all residential loan officers must be federally registered. Smart Financial Credit Union has complied with the Safe Act and has registered our Mortgage Services Team.

Smart Financial Credit Union 
NMLS ID: 456807 

Mortgage Service Team: 

Tricia Smith 
VP/Lending Services 
NMLS ID: 291882 

Angela Aguirre 
VP/Lending Sales 
NMLS ID: 291888 

Elizabeth Lewis 
AVP/Mortgage Services 
NMLS ID: 1148254 

Ana Romero 
Loan Originator 
NMLS ID: 697536 

Angie Lujan
Mortgage Closing Coordinator 
NMLS ID: 1897777

Krista Hegwood 
Mortgage Originator 
NMLS ID: 923735 

Lara Ojeda 
Mortgage Originator 
NMLS ID: 40453 

Members may access for more information about our Mortgage Service Team.