State Licensing

Last updated: May 8, 2026

Rate Edge Home Loans is a DBA of Reliant Home Loans LLC, a licensed mortgage broker. We are licensed to originate residential mortgage loans in the states listed below. All loans are made through approved wholesale lender partners and are subject to credit approval, underwriting guidelines, and program availability.

Reliant Home Loans LLC
NMLS Company #1945532
Zachary Collard, President · NMLS Individual #1263169
Verify our licenses on NMLS Consumer Access →

Licensed States

🟢 Texas

SML Mortgage Company License NMLS #1945532

Regulated by the Texas Department of Savings and Mortgage Lending
2601 N. Lamar Blvd, Suite 201, Austin, TX 78705
Phone: (877) 276-5550 · sml.texas.gov

Texas consumer notice: Consumers wishing to file a complaint against a mortgage banker or licensed mortgage residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending. Complaint forms and instructions may be obtained from the department's website.

🟢 Florida

Mortgage Broker License NMLS #1945532

Regulated by the Florida Office of Financial Regulation
200 East Gaines Street, Tallahassee, FL 32399
Phone: (850) 487-9687 · flofr.gov

🟢 Utah

DRE Mortgage Entity License NMLS #1945532

Regulated by the Utah Division of Real Estate
Heber M. Wells Building, 160 East 300 South, Salt Lake City, UT 84111
Phone: (801) 530-6747 · realestate.utah.gov

🟢 Colorado

Mortgage Company Registration NMLS #1945532

Regulated by the Colorado Division of Real Estate
1560 Broadway, Suite 925, Denver, CO 80202
Phone: (303) 894-2166 · dre.colorado.gov

Colorado consumer notice: Regulated by the Colorado Division of Real Estate. To file a complaint against a Colorado mortgage loan originator, please contact the Colorado Division of Real Estate at the address above.

Equal Housing Opportunity

We are an Equal Housing Lender. We comply with the Fair Housing Act and the Equal Credit Opportunity Act and do not discriminate based on race, color, religion, national origin, sex, marital status, age, disability, or because all or part of an applicant's income comes from public assistance.

EHL

Equal Housing Lender

Important Disclosures

Rate Edge Home Loans / Reliant Home Loans LLC is a mortgage broker, not a direct lender. Loans are funded by approved wholesale lender partners.
All loan applications are subject to credit approval, satisfactory appraisal, title review, income/asset verification, and lender underwriting.
Rate quotes are not loan commitments. Final terms depend on your full financial profile and lender guidelines.
Rates and pricing change frequently and may differ from amounts displayed at the time of inquiry.
Licensed in TX, FL, UT, and CO only. We cannot originate loans for properties located outside these states.
This is not an offer to extend credit. All applications are subject to lender-specific eligibility requirements.

Verify Our License

You can verify the license of any mortgage company or loan originator at the Nationwide Multistate Licensing System & Registry (NMLS):

NMLS Consumer Access · nmlsconsumeraccess.org
Search for "Reliant Home Loans LLC" (Company #1945532) or "Zachary Collard" (Individual #1263169)

Contact

Rate Edge Home Loans (DBA Reliant Home Loans LLC)
Email: zach@relianthomeloans.com
Phone: (866) 954-5891