Licensing & Disclosures

Mortgage Broker Disclosure

Dream Real Estate & Mortgage is a licensed mortgage brokerage, owned and managed by Qasim Barikzai. We are a mortgage broker — not a mortgage lender or bank. We do not make or fund loans. We arrange residential mortgage financing by matching borrowers with third-party and wholesale lenders. All loan approvals, rates, terms, and funding decisions are made solely by the lender. Brokering services are provided in the borrower’s interest to help identify suitable loan options.

NMLS Disclosure

Qasim Barikzai is a licensed Mortgage Loan Originator, NMLS #2380795. The Nationwide Multistate Licensing System (NMLS) Consumer Access database allows you to verify licensing for mortgage professionals. You may confirm our licensing at www.nmlsconsumeraccess.org. This is not a commitment to lend. All loans are subject to credit approval, underwriting, and property appraisal. Programs, rates, terms, and conditions are subject to change without notice.

California DRE Disclosure

Real estate brokerage services are provided by Qasim Barikzai, licensed by the California Department of Real Estate (DRE), license numbers #02068027 and #02439282. You may verify a license at the DRE website, www2.dre.ca.gov. Real estate and mortgage activities are regulated separately; please ask which capacity applies to your transaction.

Equal Housing Opportunity

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.

Fair Housing Statement

It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, national origin, or, under California law, additional protected classes including sexual orientation, gender identity, marital status, ancestry, source of income, and others. We are committed to fair and equal treatment of all clients and applicants. If you believe you have experienced housing discrimination, you may file a complaint with the U.S. Department of Housing and Urban Development (HUD) at www.hud.gov/fairhousing or the California Civil Rights Department.

REALTOR® Membership

The REALTOR® designation indicates membership in the National Association of REALTORS® and adherence to its strict Code of Ethics. Not all licensed real estate agents are REALTORS®.

Mortgage Advertising & Rate Disclosure

Any rates, payments, or terms shown on this website are illustrative only, are not an offer or guarantee of available rates or terms, and do not constitute a Loan Estimate or commitment to lend. Your actual rate, payment, and costs depend on loan program, loan amount, loan-to-value, credit score, occupancy, property type, and market conditions at the time of lock. APR reflects estimated finance charges and may differ from the note rate. Contact us for a personalized quote.

Consumer Resources

• NMLS Consumer Access: nmlsconsumeraccess.org
• Consumer Financial Protection Bureau: consumerfinance.gov
• California Department of Real Estate: dre.ca.gov

Contact

Dream Real Estate & Mortgage · 1870 Avondale Ave, Suite 4, Sacramento, CA 95825 · (916) 892-6060 · hello@dreambrokerageinc.com