Licensing & Disclosures
Scope. Independent verifications, licensing scopes, and statutory notices.
Last updated: September 24, 2026
Verification of licensing
| Name / entity | License type | Identification number | Status / expiration |
|---|---|---|---|
| Eric Antonio Figueroa | Founder & Principal Broker | CA DRE #01510659 / NMLS #411191 | Active (Exp: 07/26/2029) |
| Loankey.io Inc | DRE Corporation License | CA DRE #02112671 / NMLS #1509834 | Active |
Loankey.io and R.E.D. Real Estate Downtown are registered business names (DBAs) of Eric Antonio Figueroa, licensed under DRE #01510659. Some loans are arranged through Loankey.io Inc, which he owns.
Licensing status can be verified online via the California Department of Real Estate (DRE) and NMLS Consumer Access.
Broker status and business scope
Loankey.io is a California-licensed real estate broker. Loans are arranged, not made. We are a brokered mortgage entity and do not fund loan transactions directly with proprietary capital. Files are brokered to third-party lenders from an established panel of 20+ institutional lenders who evaluate credit and make ultimate lending decisions.
Service area breakdown
- Investor & Business-Purpose Financing (Nationwide): DSCR, No-Ratio and Low-Ratio DSCR, Fix-and-Flip, Hard Money, Ground-Up Construction, Mid-Construction, Land, and SBA 7(a) and 504, arranged nationwide with Eric Figueroa as Broker of Record.
- Owner-Occupied Consumer Home Loans (California Only): FHA, VA, USDA, Conventional, Jumbo, Full Documentation, Down Payment Assistance, owner-occupied Non-QM, HELOCs, and home equity loans, arranged strictly within California.
Universal disclaimers
- Not a commitment to lend: "Nothing on this site constitutes an offer of credit, quote, or commitment to lend. All loans require a formal application, credit evaluation, property appraisal, income/asset verification, and lender underwriting approval. Program guidelines and interest rates are subject to change without prior notice."
- Calculator disclaimer: "Calculators provide mathematical estimates for scenario illustration purposes only based on user inputs. Calculator output does not constitute an offer, rate quote, or approval."
Equal Housing Opportunity notice
We conduct business in accordance with the Federal Fair Housing Act, the Equal Credit Opportunity Act (ECOA), and the California Unruh Civil Rights Act. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, familial status, sexual orientation, gender identity, marital status, or income source.
