Coverage
Where we lend
One licensing answer, stated precisely, because precision is the whole point in this business.
Short answer
Where can Chris Lamm lend? MortgageOne Inc. is licensed for consumer mortgage lending in 41 states and Washington, DC. Chris Lamm is individually licensed in 19 states. Business-purpose and investor loans (including DSCR) are available in 40+ states. My office is in Redding, California, and the process runs remotely everywhere I am licensed. A Lamm Team call is a direct way to confirm your state and your options.
Consumer lending
MortgageOne Inc. is licensed for consumer mortgage lending in 41 states and Washington, DC. Chris Lamm is individually licensed in 19 states. That covers your primary home, second home, refinance, VA, reverse, construction, and bank statement loans.
Private lender. Not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency.
Reverse mortgage borrowers must complete a counseling session with a HUD-approved counselor before applying. This material is not from HUD or FHA and has not been approved by HUD or any government agency.
Business purpose
Business-purpose and investor loans (including DSCR) are available in 40+ states. Investor loans follow different licensing rules, which is why the coverage is broader. If the property earns rent, geography is rarely the question.
Both claims above are exact, and you can check the consumer one yourself through NMLS Consumer Access, NMLS# 209221.
All 19 personal-license states
Every state below has a live mortgage-options hub. State facts that still need Chris's confirmation are labeled and replaced with safe, file-specific review language.
- AKAlaskaAlaska files benefit from an early review of access, utilities, appraisal timing, and the way the property will be occupied. Those details can change the cleanest loan path before rate or payment comparisons become useful.
- AZArizonaArizona borrowers often need the loan plan to account for occupancy, community or project requirements, insurance, and the full housing payment. The Lamm Team reviews those items before narrowing the program choice.
- ARArkansasAn Arkansas mortgage review should separate the land, improvements, utilities, and intended occupancy instead of treating every address as the same kind of collateral. That is especially important when acreage or new construction is involved.
- CACaliforniaCalifornia is Chris's home state and the Lamm Team's operating base. A useful review starts with county, property type, insurance availability, income documentation, and the timing written into the purchase or construction contract.
- FLFloridaFlorida files should identify insurance, flood review, association obligations, and project eligibility before a borrower relies on a payment estimate. The property can be as important as the borrower in choosing the program.
- IDIdahoIdaho borrowers often need a clear review of acreage, access, utilities, outbuildings, and construction plans. The Lamm Team confirms how the property will be used before matching it to a loan program.
- KSKansasKansas mortgage planning should establish the property use, land and improvement mix, insurance, and total monthly payment before comparing programs. Rural and in-town properties can require different documentation paths.
- MOMissouriMissouri files are clearer when the team reviews occupancy, acreage, utilities, property condition, and renovation or construction plans at the start. That prevents a property detail from becoming a late underwriting surprise.
- MTMontanaMontana financing calls for an early look at access, acreage, utilities, outbuildings, seasonal constraints, and intended property use. The loan should be built around the documented property, not a broad statewide assumption.
- NVNevadaNevada borrowers should identify occupancy, association or project requirements, insurance, and income documentation before relying on a payment or cash-to-close estimate. The same state can produce very different property reviews.
- NMNew MexicoA New Mexico mortgage plan should address access, water, wastewater, utilities, property condition, and occupancy before the program is chosen. Those questions are especially useful outside a standard subdivision.
- OHOhioOhio loan planning should connect the county, property condition, taxes, insurance, and occupancy to the borrower's income and cash plan. That complete payment view matters more than a headline principal-and-interest figure.
- OKOklahomaOklahoma borrowers benefit from an early review of land, improvements, utilities, insurance, and intended use. The Lamm Team separates residential value from any business or agricultural use before selecting the program.
- OROregonOregon mortgage planning should bring property access, utilities, insurance, acreage, and intended occupancy into the first conversation. Chris's Redding office also gives the team a practical connection to Southern Oregon borrowers.
- TNTennesseeTennessee financing should distinguish a primary move, second-home plan, and rental strategy before the team compares programs. Property condition, association obligations, acreage, and the full monthly payment all belong in that first review.
- TXTexasTexas mortgage planning starts with occupancy, county, property type, insurance, taxes, and the full payment. Home-equity and homestead questions also need a current file-specific review rather than a broad rule quoted without context.
- VAVirginiaVirginia borrowers should connect military or civilian income, county, property type, association obligations, taxes, and insurance before choosing a loan. A property near a duty station can still require a very different review from a rural purchase.
- WAWashingtonWashington loan planning should identify county, property type, association or project requirements, insurance, and the full payment early. VA eligibility and alternative income documentation are strongest when tied to a specific property and contract timeline.
- WYWyomingWyoming financing benefits from an early review of access, acreage, utilities, outbuildings, seasonal timing, and intended use. The Lamm Team builds the loan around documented property conditions rather than a generic rural-property assumption.
All 41 + DC, in one look
Every state below is active for consumer lending throughMortgageOne Inc.. If your state is on this list, we can work together today.
- AL
- AK
- AZ
- AR
- CA
- CO
- DC
- FL
- GA
- HI
- ID
- IL
- IN
- IA
- KS
- KY
- LA
- MD
- MI
- MN
- MS
- MO
- MT
- NE
- NV
- NM
- NC
- ND
- OH
- OK
- OR
- PA
- SC
- SD
- TN
- TX
- UT
- VA
- WA
- WV
- WI
- WY
Not on the consumer list: Connecticut, Delaware, Maine, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island, Vermont. Business-purpose investor loans remain available in 40+ states.
Licensing questions, answered
Is Chris Lamm licensed in my state?
Very likely. MortgageOne Inc. is licensed for consumer mortgage lending in 41 states and Washington, DC. Chris Lamm is individually licensed in 19 states. Where I am not personally licensed, a licensed teammate at MortgageOne Inc. handles the origination. You can verify my license, NMLS# 209221, and MortgageOne Inc.'s, NMLS# 898812, through NMLS Consumer Access.
Which states are not covered?
MortgageOne Inc. does not currently hold a consumer lending license in nine states: Connecticut, Delaware, Hawaii, Maine, Massachusetts, New Hampshire, New York, Rhode Island, and Vermont. If that changes, this page will say so the same week. Business-purpose investor loans, which follow different licensing rules, remain an option in most of those states.
What if my state does not have a dedicated page?
Every state where I am personally licensed has a dedicated page below. If MortgageOne Inc. is licensed in your state but I am not, a properly licensed MortgageOne Inc. teammate handles the origination. NMLS Consumer Access remains the source for current license details.
Are investor loans really available in 40+ states?
Yes. Business-purpose and investor loans, including DSCR, are available in 40+ states because they follow different licensing rules than consumer loans. DSCR loans qualify on the property's rental income rather than your personal income, which is why out-of-state investors use them so often.
Confirm your state in one call
Start with the Lamm Team. You will know whether I can lend where you are, and what the loan should look like if I can.