Licensing
Licensed in California, Colorado, Florida, Idaho, Michigan, Missouri, Nebraska, Ohio, Oregon, Tennessee, Texas and Utah
Bestrate Mortgage (NMLS #1852295) is licensed to originate mortgages in California, Colorado, Florida, Idaho, Michigan, Missouri, Nebraska, Ohio, Oregon, Tennessee, Texas and Utah, and I hold my individual loan originator license there as well (Mike Maiorano, NMLS #2033984). A mortgage is licensed by the state the property sits in — so if your home is in any of these 12 states, I can do your loan.
There's no automatic "reciprocity" between states. Each state issues its own license, and I've gone through that process in all 12. For you, that means continuity — if a move, second home, or investment property crosses one of these state lines, you keep the advisor who already knows your income, goals, and timing.
What I can help with in each state
Program availability, underwriting rules, and closing details vary by state and lender, so I always review the options for your specific property.
California
Licensed · CAI'm licensed to originate mortgages on California properties — purchases, refinances, second homes, and investment properties. The whole process runs online, and I review the programs that fit your specific property.
Colorado
Licensed · COI'm licensed to originate mortgages on Colorado properties — purchases, refinances, second homes, and investment properties. The whole process runs online, and I review the programs that fit your specific property.
Florida
Licensed · FLI'm licensed to originate mortgages on Florida properties — purchases, refinances, second homes, and investment properties. The whole process runs online, and I review the programs that fit your specific property.
Idaho
Licensed · IDI'm licensed to originate mortgages on Idaho properties — purchases, refinances, second homes, and investment properties. The whole process runs online, and I review the programs that fit your specific property.
Michigan
Licensed · MII'm licensed to originate mortgages on Michigan properties — purchases, refinances, second homes, and investment properties. The whole process runs online, and I review the programs that fit your specific property.
Missouri
Licensed · MOI'm licensed to originate mortgages on Missouri properties — purchases, refinances, second homes, and investment properties. The whole process runs online, and I review the programs that fit your specific property.
Nebraska
Licensed · NEI'm licensed to originate mortgages on Nebraska properties — purchases, refinances, second homes, and investment properties. The whole process runs online, and I review the programs that fit your specific property.
Ohio
Licensed · OHI'm licensed to originate mortgages on Ohio properties — purchases, refinances, second homes, and investment properties. The whole process runs online, and I review the programs that fit your specific property.
Oregon
Licensed · ORI'm licensed to originate mortgages on Oregon properties — purchases, refinances, second homes, and investment properties. The whole process runs online, and I review the programs that fit your specific property.
Tennessee
Licensed · TNI'm licensed to originate mortgages on Tennessee properties — purchases, refinances, second homes, and investment properties. The whole process runs online, and I review the programs that fit your specific property.
Texas
Licensed · TXI'm licensed to originate mortgages on Texas properties — purchases, refinances, second homes, and investment properties. The whole process runs online, and I review the programs that fit your specific property.
Utah
Licensed · UTI'm licensed to originate mortgages on Utah properties — purchases, refinances, second homes, and investment properties. The whole process runs online, and I review the programs that fit your specific property.
Verify my license yourself
Every mortgage company and loan originator in the country has a public record on NMLS Consumer Access. Look up Bestrate Mortgage (NMLS #1852295) or Mike Maiorano, NMLS #2033984. It takes about a minute.
Want the local picture? See where I'm based and where I lend.
Buying or refinancing in CA, CO, FL, ID, MI, MO, NE, OH, OR, TN, TX, UT?
The first step is the same everywhere: a straightforward conversation about your goals and your numbers. No cost, no pressure.
Mike Maiorano, NMLS #2033984 · Bestrate Mortgage, NMLS #1852295. Licensed in California, Colorado, Florida, Idaho, Michigan, Missouri, Nebraska, Ohio, Oregon, Tennessee, Texas and Utah. This page is educational and not a commitment to lend; program details change — ask for current figures. Equal Housing Opportunity.