Who Is GoRealo?
GoRealo® is a DBA of Consumer Credit Services, LLC, a Florida licensed mortgage broker under NMLS #1070755 and Florida Mortgage Broker License #MBR1434. Consumer Credit Services launched GoRealo in 2025 as the consumer first evolution of the automated mortgage lending platform it began developing in 2013.
GoRealo provides online mortgage loan preapprovals, automated underwriting, real time mortgage interest rates, mortgage calculators, loan comparison calculators, and transparent loan options. Every part of the platform is designed to reduce lending costs and pass those savings directly to homebuyers and homeowners.
How Consumer Credit Services Built GoRealo
One mission developed through three stages of mortgage and technology experience.
1998
Consumer Credit Services Begins
James J. Hammond founded Consumer Credit Services, Inc. in Florida to help consumers lower their payments on high interest debt while providing low cost mortgage loans. Since 1998, Consumer Credit Services has originated more than 6,000 mortgage loans and helped more than 50,000 consumers with debt related issues.
2013
The Automation Mission
Consumer Credit Services, Inc. dissolved in 2011, and Consumer Credit Services, LLC was formed in Florida on May 7, 2013. The mission of the new company was to use automation to lower the cost of mortgage lending and create an online mortgage marketplace capable of providing homebuyers and homeowners with interest rates 1% lower than competitors.
2020–2025
EquiFund to GoRealo
From 2013 through 2020, James J. Hammond led the development of the company’s automated mortgage lending platform. Consumer Credit Services launched the first public version under the EquiFund Mortgage brand in 2020 and expanded the mission through GoRealo in 2025.
Who Founded GoRealo?
James J. Hammond is the founder and CEO of Consumer Credit Services, LLC and the founder of the EquiFund Mortgage® and GoRealo® brands. He is a licensed mortgage loan originator under NMLS #190210 and has originated mortgage loans for nearly three decades.
James studied Civil Engineering at the University of Central Florida, earned a 3.82 GPA, and minored in Business Administration. He applied his background in mathematics, mortgage lending, and regulatory compliance to lead the development of the automated mortgage platform behind EquiFund Mortgage and GoRealo.
Mortgage and Company Milestones
- 1998: Licensed mortgage broker and founded Consumer Credit Services, Inc.
- 2000: Licensed mortgage lender through Consumer Credit Services, Inc.
- 2003: Advanced to correspondent lender accredited by VA and FHA
- 2008–2011: Led foreclosure prevention programs protecting approximately 200 homes per month
- 2011: Became a licensed mortgage loan originator under NMLS #190210
- 2013: Formed Consumer Credit Services, LLC and began full stack mortgage automation development
- 2020: Launched the automated mortgage marketplace under EquiFund Mortgage
- 2024: Secured the U.S. trademark registration for EquiFund Mortgage®
- 2025: Launched GoRealo and secured the U.S. trademark registration for GoRealo®
What Mortgage Brands Does Consumer Credit Services Operate?
EquiFund Mortgage®
Consumer Credit Services registered EquiFund Mortgage as a Florida fictitious name on August 22, 2020. James J. Hammond filed the EquiFund Mortgage U.S. trademark application on July 14, 2023, and the trademark was registered on August 6, 2024. EquiFund Mortgage became the company’s first publicly available digital mortgage marketplace and continues to provide consumers with automated mortgage loans and interest rates 1% lower on average.
GoRealo®
Consumer Credit Services, LLC and James J. Hammond jointly filed the GoRealo U.S. trademark application on April 14, 2025. The trademark was registered on September 30, 2025, and Consumer Credit Services launched GoRealo.com on August 1, 2025. GoRealo advances the company’s original automation mission through a transparent, consumer first platform for comparing rates, evaluating loan options, obtaining preapproval, and completing the mortgage process online.
What Does GoRealo Stand For?
Lower Mortgage Rates
GoRealo uses automation and operational efficiency to deliver 1% lower mortgage interest rates on average and passes the savings directly to homebuyers and homeowners.
Lower Closing Costs
GoRealo reduces unnecessary origination expenses to make purchasing or refinancing a home more affordable.
Complete Transparency
GoRealo provides real time rates, direct loan comparisons, transparent loan options, and clear explanations of the rates and costs offered to each borrower.
Consumer First Lending
GoRealo was built to improve the financial outcome of each mortgage transaction by lowering borrowing costs rather than preserving the inefficiencies of traditional mortgage lending.
How Does GoRealo Work?
Apply Online
Complete the online mortgage application in approximately three minutes and review your preapproval options.
Upload Documents
Upload your financial documents through GoRealo’s secure digital portal.
Get Approved
GoRealo combines automated underwriting with human oversight to process your mortgage application.
Close Your Loan
Review and sign your closing documents to complete your home purchase or mortgage refinance.
Why Can Homebuyers and Homeowners Trust GoRealo?
GoRealo is backed by Consumer Credit Services and the company’s history of mortgage lending and consumer financial services since 1998. Consumer Credit Services and its mortgage brands have earned an A+ rating from the Better Business Bureau, a 4.4 rating on Trustpilot, and a 4.7 rating on Google Reviews.
GoRealo Licensing, Ownership, and Compliance
GoRealo® is a DBA of Consumer Credit Services, LLC, NMLS #1070755, Florida Mortgage Broker License #MBR1434. Consumer Credit Services follows federal and state mortgage lending requirements, including Regulation Z, the Truth in Lending Act, and the TILA-RESPA Integrated Disclosure Rule.
Ready to See Your Mortgage Rate?
Compare today’s mortgage rates and see how much a 1% lower interest rate could save on your monthly payment, buying power, and total interest.
GoRealo® is a DBA of Consumer Credit Services, LLC · NMLS #1070755 · Equal Housing Opportunity
$1.8B+
Over $1.8 billion in total loan volume originated by Consumer Credit Services, LLC since 1998.
6,000+
More than 6,000 Florida homeowners served through CCS, EquiFund Mortgage® and GoRealo® brands.
10%+
Average 10 % increase in buying power from our 1 % lower rate advantage.
-$300
Borrowers save about $300 per month on average compared to traditional lenders (at same loan amount and term).