Legal
Commercial real estate and residential mortgage lending are run as two separate, independently licensed practices — see commercial disclosures and residential disclosures for the licensing specific to each. This page covers the one disclosure required because both licenses happen to be held by Adam J. Karol.
[Placeholder] Adam J. Karol holds both a Florida real estate license and a Mortgage Loan Originator license and may, in a given transaction, provide both real estate brokerage and mortgage origination services to the same client. You are not required to use Adam J. Karol for both services, and you are free to shop for real estate representation and mortgage financing separately. Ask for a written estimate of the charges for each service.
Compliance note: Your name, phone, FL real estate license (SL3572236), individual NMLS ID (1912074), brokerage (NAI Southcoast), lender (Unitas Lending), Unitas's company NMLS ID, the production domain (adamjkarol.com), both per-side emails, and both per-side mailing addresses in commercialLocation/residentialLocation are all real now. Still needed: each GBP's gbpUrl once that profile is created and verified — NAP must match exactly. Commercial and residential now have separate About and Disclosures pages; the Affiliated Business Arrangement wording below is a placeholder — get it, along with everything else on this page, reviewed and finalized by your broker and mortgage compliance counsel before launch.