Transparency matters.
This page collects the core licensing and advertising disclosures used across Billy's personal mortgage website. For the complete company licensing record and state-specific details, use Lit Financial's official disclosures page and NMLS Consumer Access.
Licensing information
Billy Abdallah · Branch Manager · NMLS #1579598
Lit Financial Corporation · NMLS #2553292
Ohio: Residential Mortgage Lending Act Certificate of Registration # RM.805278.000
Office: 3221 W Big Beaver Rd, Suite 313, Troy, MI 48084
States serviced by Billy: Alabama, California, Florida, Georgia, Iowa, Michigan, Ohio, Tennessee, Texas, Washington.
General advertising disclosure
This is an advertisement, not a commitment to lend or an offer of credit. All loans are subject to credit approval, eligibility, verification, and underwriting. Programs, rates, and terms vary by borrower and state and are subject to change; not all borrowers will qualify.
Checking offers on the automated HELOC program uses a soft credit inquiry and does not affect your credit score; a hard credit inquiry may be required before closing.
Client reviews shown on this website are excerpts from public Google reviews left by clients who worked with Billy. Excerpts may be shortened for length. Individual results and experiences vary.
Loans made or arranged pursuant to a California Financing Law license. Equal Housing Lender.
Texas consumer notice
Figure: 7 TAC §56.200(c)
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): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.
Texas Department of Savings and Mortgage Lending consumer complaints ↗
HELOC advertising note
The HELOC page includes program characteristics such as credit-line ranges, maximum LTV, minimum credit-score guidelines, draw period, and appraisal information. These figures are subject to lender, underwriting, property, borrower, and state eligibility requirements and may change.
Any public advertising campaign should be reviewed against current Lit Financial compliance requirements before paid promotion.