Licensing and Disclosures for Dynamic Funding Solutions, Inc.
Here at Dynamic Funding Solutions, Inc., we publish our mortgage licenses, our loan originators’ NMLS numbers, and the consumer protection rules we follow on one page, so you can verify who you are working with before you share a single document. This is our licensing and disclosures page for Pennsylvania and Florida.
Company licenses held by Dynamic Funding Solutions, Inc.
We hold the following licenses and registrations. Each entry is a public record you can check yourself.
- NMLS Company ID #17144, registered with the Nationwide Multistate Licensing System and Registry (NMLS).
- Pennsylvania Mortgage Lender License #49018, issued by the Pennsylvania Department of Banking and Securities.
- Florida Mortgage Lender License MLD1673, issued by the Florida Office of Financial Regulation.
Our licensed office is at 51 Buck Road, Huntingdon Valley, PA 19006. We have served borrowers under the Dynamic Funding Solutions name since 1997.
Licensed mortgage loan originators
An individually licensed mortgage loan originator handles every loan we arrange. Our originators and their NMLS identifiers are:
- Lena Polnet, Mortgage Loan Originator, NMLS #17225.
- Marina Ayzenberg, Mortgage Loan Originator, NMLS #145637.
You can read more about Lena Polnet and how we work on our About Dynamic Funding Solutions page.
How to verify our license in two minutes
- Open NMLS Consumer Access at nmlsconsumeraccess.org, the free public database run by the state regulators.
- Search the company ID 17144, or an originator ID such as 17225.
- Confirm the company name, the office address, and the state licenses listed above. The record also shows any regulatory actions, so you never have to take our word for it.
Equal Housing Opportunity
Dynamic Funding Solutions, Inc. is an Equal Housing Lender. We arrange home financing without regard to race, color, religion, national origin, sex, disability, or familial status, as required by the Fair Housing Act. We also follow the Equal Credit Opportunity Act, which adds age, marital status, receipt of public assistance income, and the good-faith exercise of consumer rights to the list of protected characteristics in any credit decision.
Consumer protection laws that govern our work
Federal and state regulators govern mortgage lending in the United States. The rules that shape every loan file we handle are:
- Truth in Lending Act (TILA): you receive the Loan Estimate within three business days of your application and the Closing Disclosure at least three business days before closing, so the cost of credit is disclosed in writing before you commit.
- Real Estate Settlement Procedures Act (RESPA): we disclose settlement costs in writing, and the law prohibits kickbacks or referral fees for settlement services.
- Equal Credit Opportunity Act (ECOA): we base credit decisions on creditworthiness, not on protected characteristics, and you receive written notice of the reasons if we deny an application.
- Fair Housing Act: no discrimination in the financing of housing.
- Pennsylvania Mortgage Licensing Act and Florida Chapter 494: the state statutes that license and examine our company and our originators.
The Consumer Financial Protection Bureau (CFPB) enforces TILA, RESPA, and ECOA at the federal level. The U.S. Department of Housing and Urban Development (HUD) enforces the Fair Housing Act.
Important disclosures about rates, terms, and approval
- Nothing on this website is a commitment to lend or an offer to extend credit. Every loan is subject to a completed application, credit approval, property appraisal where required, and underwriting.
- Interest rates, annual percentage rates, fees, and program guidelines change without notice. The figures that bind us are the ones printed on your Loan Estimate and Closing Disclosure.
- Not every applicant will qualify for every program. Program availability differs between Pennsylvania and Florida, including DSCR loans and bank statement loans.
- Our state licenses cover residential mortgage loans in Pennsylvania and Florida. The loan programs we arrange are listed on our mortgage services page.
- We handle the information you submit through our website forms as our privacy policy describes.
Where to file a question or complaint
Start with us. Call (215) 364-7171, email lending_support@dynamicfunding.net, or use our contact page. If you prefer to speak to a regulator, these are the agencies that license and supervise us:
- Pennsylvania Department of Banking and Securities, dobs.pa.gov
- Florida Office of Financial Regulation, flofr.gov
- Consumer Financial Protection Bureau, consumerfinance.gov/complaint
Frequently asked questions about our licensing
What is an NMLS number and why does it matter?
An NMLS number is the unique identifier assigned to every licensed mortgage company and loan originator in the Nationwide Multistate Licensing System. It follows the licensee across states and employers, so the public record for NMLS #17144 or NMLS #17225 always points to the same company or person.
Is Dynamic Funding Solutions licensed in both Pennsylvania and Florida?
Yes. We hold Pennsylvania Mortgage Lender License #49018 and Florida Mortgage Lender License MLD1673, both listed under NMLS Company ID #17144.
Can you arrange a loan on a property outside Pennsylvania or Florida?
Our current state licenses cover residential property in Pennsylvania and Florida. If your property is elsewhere, call us first and we will tell you on that call whether we can help, rather than take an application we cannot complete.
What does Equal Housing Lender mean in practice?
It means our credit decisions rest on income, credit, assets, and the property, and never on race, color, religion, national origin, sex, disability, familial status, age, marital status, or the source of your income. If you believe we treated you unfairly, you can contact HUD or the CFPB at the links above.
Where do I find the exact cost of my loan?
On your Loan Estimate, which you receive within three business days of applying, and on your Closing Disclosure, which you receive at least three business days before closing. Those two documents, not website text, state the rate, the APR, and every fee.
Who do I contact if I have a complaint?
Call Dynamic Funding Solutions at (215) 364-7171 first. If we do not resolve it, the Pennsylvania Department of Banking and Securities, the Florida Office of Financial Regulation, and the CFPB each accept consumer complaints about licensed mortgage companies.
Dynamic Funding Solutions, Inc., NMLS #17144, publishes this licensing and disclosures page so that every borrower in Pennsylvania and Florida can confirm our standing before working with us. Questions about any item on this page go to (215) 364-7171.
Talk to a licensed mortgage loan originator
Send us your question and Lena Polnet, NMLS #17225, will answer it directly. Or call (215) 364-7171.