{"Result":[{"LicenseTypeID":945,"LicenseRequirementID":22891,"RequirementText":"

Credit Report Explanations: Submit a line by line, detailed letter of explanation of all derogatory credit accounts along with proof of payoffs, payment arrangements and evidence of payments made, or evidence of any formal dispute filed (documents must be dated). Accounts to address include, but are not limited to: collections items, charge offs, accounts currently past due, accounts with serious delinquencies in the last 3 years, repossessions, loan modifications, etc.

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Note: Items regarding bankruptcy, foreclosure actions, outstanding judgments or liens, or delinquent child support payments should be addressed in the Disclosure Explanations section of your Individual Form (MU4).

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This document should be named Credit Report Explanations – Full Name – Document Creation Date.

","IsNote":null,"SubmittedVia":"

Upload in NMLS: Upload document in NMLS in the Agency Guidance section under Document Type Credit Report Explanations.

","Order":4,"RequirementsCategory":36,"NMLSDocumentUploadType":50,"PostApplicationTaskGenerated":null,"LicenseItemType":null,"AdditionalTaskInfo":null,"ModifiedBy":"Ms. Nicole R. Bullock, CCCS (nicole.bullock@mass.gov)","Modified":"2026-08-06T14:04:17.3","Version":8,"ChangeType":"MOD"},{"LicenseTypeID":945,"LicenseRequirementID":22893,"RequirementText":"

Company Sponsorship: A sponsorship request must be submitted by your employer. MA will review and accept or reject the sponsorship request.

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 MA offers an “Approved-Inactive” license status. If you are not currently employed by a mortgage company (or your employer has not yet requested sponsorship on your behalf) and you have completed all requirements for this license, the license may be issued as “Approved-Inactive” until sponsorship by a mortgage company is acquired. While in an “Approved-Inactive” status, you are NOT authorized to conduct business under the authority of the MA Mortgage Loan Originator License.

","IsNote":true,"SubmittedVia":"

NMLS

","Order":1,"RequirementsCategory":44,"NMLSDocumentUploadType":49,"PostApplicationTaskGenerated":null,"LicenseItemType":null,"AdditionalTaskInfo":null,"ModifiedBy":"Ms. Nicole R. Bullock, CCCS (nicole.bullock@mass.gov)","Modified":"2026-08-06T14:03:15.207","Version":7,"ChangeType":"MOD"},{"LicenseTypeID":945,"LicenseRequirementID":30363,"RequirementText":"

Disclosure Question(s): Provide a complete and detailed explanation and document upload (containing official documents as a Supporting File if applicable) for each “Yes” response to Disclosure Questions.

","IsNote":true,"SubmittedVia":null,"Order":5,"RequirementsCategory":null,"NMLSDocumentUploadType":null,"PostApplicationTaskGenerated":null,"LicenseItemType":null,"AdditionalTaskInfo":null,"ModifiedBy":"Ms. Nicole R. Bullock, CCCS (nicole.bullock@mass.gov)","Modified":"2026-08-06T14:04:17.303","Version":4,"ChangeType":"MOD"},{"LicenseTypeID":945,"LicenseRequirementID":31730,"RequirementText":"

All Massachusetts licensed Mortgage Loan Originators must be W2 employees.

","IsNote":true,"SubmittedVia":"N/A","Order":3,"RequirementsCategory":44,"NMLSDocumentUploadType":null,"PostApplicationTaskGenerated":null,"LicenseItemType":null,"AdditionalTaskInfo":null,"ModifiedBy":"Ms. Nicole R. Bullock, CCCS (nicole.bullock@mass.gov)","Modified":"2026-08-06T14:31:12.63","Version":10,"ChangeType":"MOD"}],"Id":22513,"Exception":null,"Status":5,"IsCanceled":false,"IsCompleted":true,"IsCompletedSuccessfully":true,"CreationOptions":0,"AsyncState":null,"IsFaulted":false}