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Licensing & NMLS Disclosures
Last updated 28 September 2026
States licensed is recorded as Florida only and needs confirmation from Carlos. This page should be reviewed by SOM's compliance counsel before publishing.
Licensed entity
| Legal entity | SOM Management LLC |
|---|---|
| Doing business as | SOM Real Estate Financing |
| Company NMLS ID | 2428991 |
| Licence type | Mortgage Brokerage, State of Florida |
| States licensed | Florida |
| Registered office | 245 SW Chandler Ter, Port St Lucie, FL 34984 |
Licensed individuals
| Carlos Rivera | Broker Owner · NMLS ID 519438 · Florida Mortgage Broker Licence |
|---|
Additional loan officers originating under SOM Management LLC are individually licensed and their NMLS identifiers are listed on their profiles on the team page.
Verify our licence
You can confirm the licensing status of SOM Management LLC and of any individual loan officer through the NMLS Consumer Access database, a free public resource maintained by the Nationwide Multistate Licensing System.
Equal Housing Opportunity
SOM Management LLC does business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, marital status, age, receipt of public assistance income, or the good faith exercise of any right under the Consumer Credit Protection Act.
Not a commitment to lend
Nothing on this website is an offer to lend, a commitment to lend, or a guarantee of approval or of any particular loan terms. All loans are subject to borrower qualification, credit approval, property appraisal, title review and lender underwriting guidelines. Programs, guidelines and availability are subject to change without notice. Not all applicants will qualify for all programs.
SOM Management LLC is a mortgage brokerage. We do not make loans. We arrange loans with third-party lenders.
Rates and costs
Interest rates and closing costs are not quoted on this website. Rates change daily and depend on the program, the property, your credit profile and the individual lender. A licensed loan officer will discuss current pricing with you directly and provide the written disclosures required by law before you commit to anything.
Broker compensation
Mortgage broker compensation is disclosed to you in writing in accordance with applicable federal and state law before you are obligated on a loan. Your loan officer will explain how compensation works on your specific transaction.
No advice
Information on this website is general and provided for educational purposes. It is not legal, tax, accounting or financial advice, and it is not a substitute for advice from a qualified professional who knows your circumstances.
Complaints
If you have a concern about our service, please contact us first at (772) 200-4325 so we can address it. You may also contact the Florida Office of Financial Regulation, which supervises mortgage brokerage licensees in this state.