Consumer Complaints

Step 1 — Contact Us Directly

We take all concerns seriously and are committed to resolving issues promptly. Before escalating to a regulatory agency, please contact us directly so we have the opportunity to address your concern.

Phone

(254) 282-5626

Mon–Fri, 8am–6pm CT

Email

teamcaleb@gomortgageone.com

Corporate Office

MortgageOne, Inc.
5860 Owens Ave., Ste. 130
Carlsbad, CA 92008

Corporate Phone

(800) 915-9218

We will acknowledge your concern within one business day and work toward a resolution within 15 business days. For complex matters, we will provide a written response within 30 days.

Step 2 — Regulatory Agencies

If you are unable to resolve your concern directly with Veteran MortgageOne / MortgageOne, Inc., you have the right to file a complaint with the appropriate state or federal regulatory agency.

Texas

TEXAS RESIDENTS: Consumers wishing to file a complaint against a mortgage company or residential mortgage loan originator licensed in Texas should send a completed complaint form to the Department of Savings and Mortgage Lending (SML):

Mailing Address

2601 N. Lamar Blvd., Suite 201
Austin, Texas 78705

Toll-Free Phone

1-877-276-5550

Website

sml.texas.gov

Texas Recovery Fund: The Department maintains a Recovery Fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the Recovery Fund must be filed with and investigated by the Department prior to the payment of a claim. For more information about the Recovery Fund, visit www.sml.texas.gov.

Federal — All States

Consumer Financial Protection Bureau (CFPB)

consumerfinance.gov/complaint

1-855-411-2372

P.O. Box 4503, Iowa City, IA 52244

Dept. of Housing & Urban Development (HUD)

hud.gov/complaints

1-800-569-4287

Housing counseling & fair lending complaints

Federal Trade Commission (FTC)

reportfraud.ftc.gov

1-877-382-4357

Deceptive or fraudulent lending practices

NMLS Consumer Access

NMLS #898812 — Verify License

Verify our licensing status and history

Oregon

Residential mortgage loan servicers are regulated by the Oregon Division of Financial Regulation. To file a complaint, call 866-814-9710 or visit dfr.oregon.gov.

Illinois — Community Reinvestment Notice (205 ILCS 735/35-20)

The Department of Financial and Professional Regulation evaluates our record of helping to meet the lending needs of the community. You are entitled to certain information about our operations and performance under the ILCRA. You may review this information, submit signed written comments about our performance, or obtain a copy of our evaluation by contacting the Department at 320 West Washington Street, 3rd Floor, Springfield, IL 62786 or 555 West Monroe Street, Suite 500, Chicago, IL 60661.

Wire Fraud Warning

⚠️ Mortgage and Real Estate Wire Transfer Fraud is on the Rise. Be aware that MortgageOne, Inc. will never send or email wiring instructions. All wiring instructions received from any party should be verbally verified directly with your escrow officer, closing attorney, or title company before any wire transfer is initiated. If you receive unexpected wiring instructions, call us immediately at (254) 282-5626.

If You Suspect Fraud

Do not wire any funds until you have verbally confirmed instructions by calling a known, verified number
Contact your bank immediately to attempt to recall the wire transfer
Report the incident to the FBI Internet Crime Complaint Center at ic3.gov
File a complaint with the FTC at reportfraud.ftc.gov
Contact us immediately so we can alert our partners and title companies

Your Rights as a Borrower

Federal and state laws protect your rights in every mortgage transaction. As a VA loan borrower with Veteran MortgageOne, you are entitled to:

Clear, written disclosures about your interest rate, fees, and loan terms before closing
Fair treatment regardless of race, color, national origin, religion, sex, familial status, or disability (Fair Housing Act)
Accurate, timely information about the status of your loan application
A response to any qualified written request about your loan within the timeframes required by law
The right to file a complaint with any state or federal regulatory agency at no cost to you
Access to a HUD-approved housing counselor at any time — 1-800-569-4287

MortgageOne, Inc. | Company NMLS: #898812 | Equal Housing Lender 🏠 | Licensed by the Texas Department of Savings and Mortgage Lending. This page was last reviewed April 2026.