Final Order — Mortgage Broker

Index: OFR 2026 - 370 STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION ,.... ~,~. 1/ DOCKETED '\ 0/2026 1 LEG,-'L J .BJ:L..J In Re: EPLANET MORTGAGE LLC, and ERICA NICOLE JONES, Case Number: 132569 Respondents. FINAL ORDER The State of Florida, Office of Financial Regulation ("Office"), being authorized and directed to administer and enforce chapter 494, Florida Statutes, hereby enters this Final Order with Notice of Rights ("Final Order") as authorized by the provisions of chapters 120 and 494, Florida Statutes, against EPLANET MORTGAGE LLC and ERICA NICOLE JONES ("Respondents"). FINDINGS OF FACT I. The Office has jurisdiction over the subject matter of this case and the parties hereto. 2. At all times material, EPlanet Mortgage LLC, is and has been licensed in Florida as a mortgage broker, having been issued license number MBR5330, pursuant to chapter 494, Florida Statutes. 3. The Office conducted an examination and found that grounds existed to initiate a legal action. On January 29, 2026, the Office issued an Administrative Complaint (Exhibit A) seeking an administrative fine of $3,500.00 and a 10-day license suspension. 4. The Complaint contained a Notice of Rights, which fully advised Respondents that they had 21 days after the receipt of the Administrative Complaint within which to petition the Office for an administrative hearing to contest the allegation set forth in the Administrative

Complaint, in accordance with sections 120.59 and 120.57, Florida Statutes, including the following information: TO PRESERVE THE RIGHT TO A HEARING, A WRITTEN RESPONSE MUST BE FILED WITH THE OFFICE OF FINANCIAL REGULATION WITHIN TWENTY-ONE (21) DAYS AFTER THE RECEIPT OF THE ADMINISTRATIVE COMPLAINT. SAID RESPONSE MUST BE RECEIVED BY THE OFFICE NO LATER THAN 5:00 P.M. ON THE TWENTY-FIRST DAY AFTER THE RECEIPT OF THE ADMINISTRATIVE COMPLAINT. A FAIL URE TO TIMELY RESPOND IN WRITING WILL CONSTITUTE A WAIVER OF THE LICENSEE'S RIGHT TO REQUEST A HEARING AND A FINAL ORDER MAY BE ENTERED WITHOUT FURTHER NOTICE. 5. Respondents were served the Administrative Complaint via U.S. Certified Mail on February 2, 2026, and February 3, 2026. (Exhibit B). In their responses, dated February 17, 2026, and February 25, 2026, Respondents requested settlement negotiations rather than immediate referral for a hearing. (Exhibit C). The parties have engaged in negotiations but have been unable to reach a resolution. Because Respondents did not indicate whether they would seek an informal hearing pursuant to section 120.57(2), Florida Statutes, before a hearing officer appointed by the Office, or a formal hearing pursuant to section 120.57(1), Florida Statutes, before the Division of Administrative Hearings, an Order Dismissing Petition with Leave to Amend ("Order") was entered on June 3, 2026. Respondents' petition was dismissed, and they were granted 21 days to file a written request for a hearing in compliance with all applicable administrative rules and laws. The Order provided that if no timely response was filed with the Office, a Final Order would be entered imposing an administrative fine of $3,500.00 and a I 0-day license suspension. 6. A response was due no later than June 24, 2026. To date, the Office has neither received a written response to the Order nor have Respondents made a claim of equitable tolling. 7. The Findings of Fact alleged in the Administrative Complaint are hereby incorporated by reference and adopted as Findings of Fact in this Final Order. 2

CONCLUSIONS OF LAW 8. Pursuant to sections 494.0011 and 494.0012, Florida Statutes, the Office is charged with administering and enforcing the provisions of chapter 494, Florida Statutes, and conducting examinations and investigations to determine whether any provision of chapter 494, Florida Statutes, has been violated. Thereby, the Office has jurisdiction over the subject matter of this case and of the parties hereto. 9. The Findings of Fact herein serve as the basis of the entry of this Final Order against Respondents. 10. Section 120.569(2)(a), Florida Statutes, and Rule 28-106.111(2), Florida Administrative Code, require, among other things, that a response or a petition to an action which affects the substantial interests of a party be filed with the agency within 21 days of receipt of written notice of the action. 11. Section 120.569(2)(c), Florida Statutes, provides that a petition for hearing shall be dismissed if it has been untimely filed (not within 21 days). 12. Pursuant to Rule 28-106.111(4), Florida Administrative Code, the failure of Respondents to timely respond to the Administrative Complaint constitutes a waiver of Respondent's right to an administrative proceeding. 12. The doctrine of equitable tolling can be applied in administrative cases when a party has been misled or lulled into inaction, i.e., has in some extraordinary way, been prevented from asserting his rights, or has timely asserted his rights in the wrong forum. Machules, v. Department of Admin., 523 So. 2d 1132 (Florida 1988). I 3. Without any evidence of equitable tolling, it is appropriate for the Office to conclude there was none. Patz v. Dept. of Health, 864 So.2d 79, 80 (Fla. 3d DCA 2003). 14. Respondents failed to submit a response to the Office on or before June 24, 2026. Respondents did not timely file a petition or any other document in response to the Order. 3

Respondents also presented no claim, or evidence of equitable tolling. Therefore, it is appropriate for the Office to conclude there was no equitable tolling and Respondents waived their right to an administrative proceeding. 15. Based on the Findings of Fact adopted herein, the Office concludes that Respondents violated the specific statutes and rules charged in the Administrative Complaint and, as such, the specific charges in the Administrative Complaint are adopted in this Final Order as Conclusions of Law. 16. The Findings of Fact and Conclusions of Law which form the basis for the Administrative Complaint, together with the waiver of a hearing by Respondents, constitute grounds for the Office to impose an administrative fine against Respondents. Based on the foregoing Findings of Fact and Conclusions of Law, it is hereby ORDERED: A. Within thirty (30) days of the docketing of this Final Order, Respondents shall pay an ADMINISTRATIVE FINE of Three Thousand Five Hundred Dollars ($3,500.00). B. Respondents shall submit the administrative fine in the form of a money order, cashier's check, or wire transfer made payable to "OFFICE OF FINANCIAL REGULATION." Such payment shall reference Case Number 132569 and shall be sent to the attention of the Agency Clerk, c/o Damaris Reynolds, Post Office Box 8050, Tallahassee, Florida 32314-8050. C. Respondents' mortgage broker license MBR5330 is hereby SUSPENDED for ten (10) days effective thirty (30) days after the date of the entry of this Final Order. DONE and ORDERED this z.o-tl. day of July, 2026, in Tallahassee, Leon County, Florida. Russ 4

NOTICE OF RIGHTS A PARTY WHO IS ADVERSELY AFFECTED BY THIS FINAL ORDER IS ENTITLED TO JUDICIAL REVIEW PURSUANT TO SECTION 120.68, FLORIDA STATUTES. REVIEW PROCEEDINGS ARE GOVERNED BY THE FLORIDA RULES OF APPELLATE PROCEDURE. SUCH PROCEEDINGS ARE COMMENCED BY FILING THE ORIGINAL NOTICE OF APPEAL WITH THE AGENCY CLERK FOR THE OFFICE OF FINANCIAL REGULATION AS FOLLOWS: By Mail, Facsimile or Email Agency Clerk Office of Financial Regulation Office of General Counsel P.O. Box 8050 Tallahassee, FL 32314-8050 Phone: (850) 410-9889 Fax: (850) 410-9663 Email: Agency.Clerk@flofr.gov OR By Hand Delivery Agency Clerk Office of Financial Regulation Office of General Counsel The Fletcher Building 101 East Gaines Street Tallahassee, FL 32399 Phone: (850) 410-9889 A COPY OF THE NOTICE OF APPEAL, ACCOMPANIED BY THE FILING FEES AS REQUIRED BY LAW, MUST ALSO BE FILED WITH THE DISTRICT COURT OF APPEAL, FIRST DISTRICT, 2000 DRAYTON DRIVE, TALLAHASSEE, FLORIDA 32399-0950, OR WITH THE DISTRICT COURT OF APPEAL IN THE APPELLATE DISTRICT WHERE THE PARTY RESIDES. THE NOTICE OF APPEAL MUST BE FILED WITH BOTH THE AGENCY CLERK FOR THE OFFICE OF FINANCIAL REGULATION AND THE DISTRICT COURT OF APPEAL WITHIN 30 DAYS OF THE RENDITION OF THE ORDER TO BE REVIEWED. 5

CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Final Order was furnished by U.S. Mail to Registered Agents, Inc., 79014th Street N, Suite 300, St. Petersburg, FL 33702 and by U.S. Mail to EPlanet Mortgage LLC and Erica Nicole Jones, 8033 W. Sunset Blvd, 857, West Hollywood, CA 90046 and by email to admin@eplanetmortgage.com on this W ay of July, 2026. 6 egulation 50 ~ 2314-8050 mat : gency. erk@flofr.gov Tel: (850) 410-9889

Exhibit A STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION In Re: EPLANET MORTGAGE LLC AND ERICA NICOLE JONES, Case N um her: 132569 Respondents. ADMINISTRATIVE COMPLAINT The State of Florida, Office of Financial Regulation, ("Office") files this Administrative Complaint against EPLANET MORTGAGE LLC and ERICA NICOLE JONES (together "Respondents"), alleging: GENERAL ALLEGATIONS

1. Pursuant to sections 494.0011 and 494.0012, Florida Statutes, the Office is charged with administering and enforcing the provisions of chapter 494, Florida Statutes, and conducting examinations and investigations to determine whether any provision of chapter 494, Florida Statutes, has been violated.

2. Section 494.00255(1), Florida Statutes, sets forth the acts that constitute grounds for which disciplinary action may be taken against a person licensed or required to be licensed under chapter 494, Florida Statutes.

3. Pursuant to section 494.00255(l)(u), Florida Statutes, failure to comply with any provision of chapter 494, Florida Statutes, or its corresponding rules, constitutes grounds for disciplinary action.

4. Pursuant to section 494.00255(2), Florida Statutes, the Office may impose penalties against a person it finds to be in violation of any act specified in section 494.00255, Florida Statutes; such penalties may include the revocation of a license and the imposition of a fine in an amount up to $25,000.00 for each count or separate offense.

5. Section 494.001 (23), Florida Statutes, defines a "mortgage broker" as an entity that, for compensation or gain, arranges or negotiates mortgage loans on real estate, but does not make the loans themselves.

6. Section 494.001 (30), Florida Statutes, defines a "principal loan originator" as the licensed loan originator in charge of, and responsible for, the operation of a mortgage lender or mortgage broker, including all of the activities of the mortgage lender's or mortgage broker's loan originators, in-house loan processors, and branch managers, whether employees or independent contractors.

7. The Nationwide Multistate Licensing System and/or Registry ("'NMLS") is the mortgage licensing system and data repository of record which is statutorily mandated to be used by the Office to manage the licensing of all mortgage loan originators and mortgage entities in Florida. See section 494.001 (33), Florida Statutes.

8. At all times material, EPLANET MORTGAGE LLC is and has been licensed with the Office as a mortgage broker (License number MBR5330) since May 31, 2022.

9. At all material times, ERICA NICOLE JONES is and has been the President and 100% owner ofEPLANET MORTGAGE LLC. As such, she is responsible for the daily operations ofEPLANET MORTGAGE LLC, pursuant to section 494.001(30), Florida Statutes.

10. As part of its most recent examination (Examination No. 131813), the Office reviewed certain documents from Respondents to ascertain compliance with chapter 494. 2

11. Rule 69V-40.ll 1(1), Florida Administrative Code, provides that the penalties, which are applicable to each ground for disciplinary action that may be imposed by the Office against a person for a violation of chapter 494, Florida Statutes, are set forth in the "Office of Financial Regulation, Division of Consumer Finance, Disciplinary Guidelines for Mortgage Loan Originators and Mortgage Entities, Form OFR-494-14."

12. Pursuant to Rule 69V-40.11 I (5), Florida Administrative Code, the range for an "A" level administrative fine is between $1,000.00 to $3,500.00. COUNTI

13. The above general allegations are hereby re-alleged and incorporated by reference as if fully stated herein.

14. Section 494.004(2), Florida Statutes, provides that a mortgage broker must submit a Mortgage Call Report ("MCR") to the Office on a quarterly basis via NMLS.

15. Pursuant to Rule 69V-40. l 76(3), Florida Administrative Code, mortgage brokers who are not approved Fannie Mae, Freddie Mac Sellers/Servicers, or Ginnie Mae Issuers are required to submit the Financial Condition component of the NMLS Mortgage Call Report within 45 days of the end of each calendar quarter.

16. Previously, a notice of late compliance was issued on April 21, 2023, following Examination No. 115021, due to Respondents' late filing of the MCR for the fourth quarter of 2022. A notice of non-compliance was issued on May I, 2024, following Examination No. 122095, due to Respondents' late filing of MCRs for the third and fourth quarters of 2024.

17. During Examination No. 131813, the Office found that Respondents, who are not approved as Fannie Mae, Freddie Mac Seller/Servicer or Ginnie Mae Issuers, failed to timely submit the MCR for the first quarter of 2024, ending on March 31, 2024, which was due by May 3

15, 2024. The MCR was filed on August 20, 2024, 87 days late. Respondents also failed to timely file the MCR for the second quarter of 2024, ending on June 20, 2024, which was due by August 14, 2024. The MCR was filed on December 19, 2024, 127 days late. Respondents failed to timely file the MCR for the third quarter of 2024, ending on September 30, 2024, which was due by November 14, 2024. The MCR was filed on December 26, 2024, 42 days late. Additionally, THE Office found that Respondents had not filed the MCR for the fourth quarter of 2024, ending on December 31, 2024, which was due on February 14, 2025. 18. By failing to timely submit its First, Second, Third, and Fourth Quarter 2024 MCRs, Respondents violated Rule 69V-40.l 76(3), Florida Administrative Code, and thereby section 494.004(2), Florida Statutes. 19. Pursuant to the Disciplinary Guidelines for Mortgage Loan Originators and Mortgage Entities Form OFR-494-14, incorporated by reference in Rule 69V-40. ll 1, Florida Administrative Code, a licensee cited for a violation of section 494.004(2), Florida Statutes, is subject to an "A" level administrative fine and a 3 to 10-day license suspension. 20. Therefore, the Office is seeking to impose a $3,500.00 administrative fine and a 10-day license suspension. WHEREFORE, Respondents, EPLANET MORTGAGE LLC and ERICA NICOLE JONES, are hereby notified that the Office intends to enter an Order imposing an administrative fine of $3,500.00 (Three Thousand Five Hundred Dollars) and a 10-day license suspension. [this space intentionally left blank with Notice of Rights appearing on the next page J 4

NOTICE OF RIGHTS The licensee is entitled to be represented by counsel or another qualified representative. The licensee also has the right to request a hearing pursuant to sections 120.569 and 120.57, Florida Statutes. Such request must comply with Rules 28-106.2015 and 28-106.104, Florida Administrative Code. An Election of Proceeding form is attached for your convenience. Any such request must be filed as follows: By Mail, Facsimile or Email Agency Clerk Office of Financial Regulation Office of General Counsel P.O. Box 8050 Tallahassee, FL 32314-8050 Phone: (850) 410-9889 Fax: (850) 410-9663 Email: Agency.Clerk@flofr.gov OR By Hand Delivery Agency Clerk Office of Financial Regulation Office of General Counsel The Fletcher Building 101 East Gaines Street Tallahassee, FL 32399 Phone: (850) 410-9889 TO PRESERVE THE RIGHT TO A HEARING, A WRITTEN RESPONSE MUST BE FILED WITH THE OFFICE OF FINANCIAL REGULATION WITHIN TWENTY￾ONE (21) DAYS AFTER THE RECEIPT OF THE ADMINISTRATIVE COMPLAINT. SAID RESPONSE MUST BE RECEIVED BY THE OFFICE NO LATER THAN 5:00 P.M. ON THE TWENTY-FIRST DAY AFTER THE RECEIPT OF THE ADMINISTRATIVE COMPLAINT. A FAILURE TO TIMELY RESPOND IN WRITING WILL CONSTITUTE A WAIVER OF THE LICENSEE'S RIGHT TO REQUEST A HEARING AND A FINAL ORDER MAY BE ENTERED WITHOUT FURTHER NOTICE. You may not make an oral request for an administrative hearing. With regard to a written request, if you fail to follow the outlined procedure, your request may be dismissed. Any request for an administrative proceeding received prior to the date of this notice is deemed abandoned and to be considered, must be timely renewed in compliance with the procedure set forth above. Mediation of this matter pursuant to section 120.573, Florida Statutes, is not available. 5

NOTICE TO RESPONDENTS In accordance with the Americans with Disabilities Act, persons with disabilities needing special accommodation to participate in this proceeding should contact the Agency Clerk no later than seven (7) days prior to the filing deadline or proceeding, at the Office of Financial Regulation, The Fletcher Building, 200 East Gaines Street, Tallahassee, Florida 32399, Phone: (850) 410- 9889, or by Email: Agency.Clerk@flofr.gov. By:~~ Damaris E. Reynolds Assistant General Counsel Office of Financial Regulation Office of General Counsel Fla. Bar No. 0037176 200 E Gaines Street Tallahassee, FL 32399-0370 Tel: 850-410-9830 Email: Damaris.Reynolds@flofr.gov CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Administrative Complaint has been sent for service via U.S. Certified Mail to: EPLANET MORTGAGE LLC and Erica Nicole Jones, 8033 W. Sunset Blvd, 857, West Hollywood, CA 90046 and Registered Agents, Inc., 7901 4th Street N, Suite 300, St. Petersburg, FL 33702 on this 29th day of January 2026. 6 Damaris E. Reynolds Assistant General Counsel Office of Financial Regulation

~ UNITEDST/JTES ~ POST/JL SERVICE Exhibit B --------- February 6, 2026 Dear Amber Hopkins: The following is in response to your request for proof of delivery on your item with the tracking number: 9489 0090 0027 6620 8150 82. Item Details Status: Status Date/ Time: Location: Postal Product: Extra Services: Shipment Details Weight: Recipient Signature Signature of Recipient: (Authorized Agent) Address of Recipient: Delivered to Agent, Left with Individual February 3, 2026, 10:58 am LOS ANGELES, CA 90046 First-Class Mail® Certified Mail™ Return Receipt Electronic 4Ib, 3.7oz Note: Scanned image may reflect a different destination address due to Intended Recipient's delivery instructions on file. Thank you for selecting the United States Postal Service® for your mailing needs. If you require additional assistance, please contact your local Post Office™ or a Postal representative at 1-800-222-1811 . Sincerely, United States Postal Service® 475 L'Enfant Plaza SW Washington, D.C. 20260-0004

.;JI UNITED STIJTES POSTIJL SERVICE February 6, 2026 Dear Amber Hopkins: The following is in response to your request for proof of delivery on your item with the tracking number: 9489 0090 0027 6620 8150 75. Item Details Status: Status Date / Time: Location: Postal Product: Extra Services: Shipment Details Weight: Recipient Signature Signature of Recipient: (Authorized Agent) Address of Recipient: Delivered to Agent, Left with Individual February 2, 2026, 11 :38 am LOS ANGELES, CA 90046 First-Class Mail® Certified Mail™ Return Receipt Electronic 4Ib, 3.1oz Note: Scanned image may reflect a different destination address due to Intended Recipient's delivery instructions on file. Thank you for selecting the United States Postal Service® for your mailing needs. If you require additional assistance, please contact your local Post Office™ or a Postal representative at 1-800-222-1811 . Sincerely, United States Postal Service® 475 L'Enfant Plaza SW Washington, D.C. 20260-0004

iiiii=!!ff UNITED STllTES ~ POST11L SERVICE February 6, 2026 Dear Amber Hopkins: The following is in response to your request for proof of delivery on your item with the tracking number: 9489 0090 0027 6620 8150 68. Item Details Status: Status Date I Time: Location: Postal Product: Extra Services: Shipment Details Weight: Recipient Signature Signature of Recipient: Address of Recipient: Delivered, Front Desk/Reception/Mail Room February 2, 2026, 11 :56 am SAINT PETERSBURG, FL 33702 First-Class Mail® Certified Mail™ Return Receipt Electronic 4Ib, 3.2oz .\1~ ~~v Jo/u( l)~\L Note: Scanned image may reflect a different destination address due to Intended Recipient's delivery instructions on file. Thank you for selecting the United States Postal Service® for your mailing needs. If you require additional assistance, please contact your local Post Office™ or a Postal representative at 1-800-222-1811 . Sincerely, United States Postal Service® 475 L'Enfant Plaza SW Washington, D.C. 20260-0004

Exhibit C STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION Case No. 132569 EPLANET MORTGAGE LLC and Erica Nicole Jones 8033 W. Sunset Blvd, 857, West Hollywood, CA 90046 Registered Agents, Inc., 7901 4th Street N, Suite 300, St. Petersburg, FL 33702 ELECTION OF PROCEEDING I have received and read the Administrative Complaint, including the Notice of Rights, flied by the Office of Financial Regulation ("Office") regarding the above-referenced Respondent, and I am requesting disposition as indicated below. PLEASE SELECT ONLY ONE OF THE OPTIONS: OPTION #1: 0 I do nQ! request a hearing in this matter. I do not dispute any of the Office's factual allegations and conclusions of law as stated in the Administrative Complaint. I understand that upon my waiving the right to a hearing, the Office may enter a final order adopting the findings of fact and conclusions of law in the Administrative Complaint, and imposing the penalties sought in the Administrative Complaint. OPTION #2: 0 I do not dispute any of the Office's factual allegations but dispute the Office's conclusions of law to those factual allegations, and request disposition of this matter by informal hearing pursuant to section 120.57(2), Florida Statutes. I request to (CHECK ONLY ONE OF THE FOLLOWING 2 OPTIONS): a. 0 Attend a hearing by video teleconference before a Hearing Officer appointed by the Office; OR b. 0 Submit a written statement with supporting documentation to a Hearing Officer appointed by the Office. OPTION #3: D I do dispute one or more of the Office's factual allegations. I request a formal hearing before the Division of Administrative Hearings (DOAH) pursuant to section 120.57(1), Florida Statutes. In accordance with Rule 28-106.2015(5)(c), FAC, I am attaching a copy of the material facts that I dispute. If yo/selected Option #2 or #3, above, and wish to engage in settlement negotiation, please check the box below: !iZl" I am interested in settlement negotiation. I request the Office to NOT refer my case for a hearing at this time. TO PRESERVE YOUR RIGHT TO A HEARING, A RESPONSE MUST BE FILED WITH THE OFFICE OF FINANCIAL REGULATION AGENCY CLERK NO LATER THAN 5:00 P.M. ON OR BEFORE THE TWENTY-FIRST DAY AFTER RECEIPT OF THE ADMINISTRATIVE COMPLAINT, BY ANY OF THE FOLLOWING METHODS:

1. By email: Agency.Clerk@flofr.gov; or
2. By U.S. Mail: P.O. Box 8050, Tallahassee, Florida 32314-8050; or
3. By hand delivery: Office of General Counsel, Fletcher Bldg., 101 E. Gaines Street, Tallahassee, FL 32399. Signature of Respond tor Authorized Representative of Respondent I fr, , .,,,__ 0't:D~ Printed Name & Title Ad. ,.....,,.Y\ Q.. Z/ z:r} 1..oz. 4 ~h.vi.R..--1:nt&¾~ %R . ~ Date E-mail Address Form: OFR-GC-13 (rev. 11.19.2024) Mailing Address City State Zip Telephone Number Page 1 of 2

STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION Case No. 132569 EPLANET MORTGAGE LLC and Erica Nicole Jones 8033 W. Sunset Blvd, 857, West Hollywood, CA 90046 Registered Agents, Inc., 7901 4th Street N, Suite 300, St. Petersburg, FL 33702 **YOU ARE TO COMPLETE THE FOLLOWING ONLY IF YOU HAVE CHECKED OPTION #3 ON THE PRECEDING PAGE. If you need more space, you may provide additional pages. As Respondent or the authorized representative of Respondent, I am disputing the following material facts: Signature of Respondent or Authorized Representative Date Form: OFR-GC-13 (rev. 11.19.2024) Page 2 of2