Final Order — Mortgage Broker

Index: OFR 2026 - 352
STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
CKE.TED \
/2026
G~l
In Re:
MORTGAGE PLUS INC., and
LOUIS SAMUEL TRAVIESO,
Case Number: 131179
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 MORTGAGE PLUS INC. and LOUIS SAMUEL TRAVIESO ("Respondents"). FINDINGS OFF ACT

1. The Office has jurisdiction over the subject matter of this case and the parties
   hereto.
2. At all times material, Mortgage Plus Inc., is and has been licensed in Florida as a
   mortgage broker, having been issued license number MBR1924, pursuant to chapter 494, Florida Statutes.
3. The Office conducted an examination and found that grounds existed to initiate
   a legal action. On March 26, 2026, the Office issued an Administrative Complaint (Exhibit A) seeking an administrative fine of $4,375.00 and a twenty (20) day license suspension.
4. The Administrative Complaint contained a Notice of Rights, which fully advised
   Respondents that they had twenty-one (21) days after the receipt of the Administrative Complaint within which to petition the Office for an administrative hearing to contest the allegations set forth

in the 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 RECEWT OF THE ADMINISTRATIVE COMPLAINT. A FAILURE TO TIMELY RESPOND IN WRITING WILL CONSTITUTE A W AIYER 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 process server on April
16, 2026. (Exhibit B). A response was due no later than May 7, 2026. To date, the Office has neither received a written response to the Administrative Complaint nor have Respondents made a claim of equitable tolling.
6. The Findings of Fact alleged in the Administrative Complaint are hereby
incorporated by reference and adopted as Findings of Fact in this Final Order. CONCLUSIONS OF LAW
7. 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.
8. The Findings of Fact herein serve as the basis of the entry of this Final Order against
Respondents.
9. 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 2

affects the substantial interests of a party be filed with the agency within twenty-one (21) days of receipt of written notice of the action.
10. Section 120.569(2)(c), Florida Statutes, provides that a petition for hearing shall be
dismissed ifit has been untimely filed (not within 21 days).
11. Pursuant to Rule 28-106.111(4), Florida Administrative Code, the failure of
Respondents to timely respond to the Complaint constitutes a waiver of Respondents' 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).
13. Without any evidence of equitable tolling, it is appropriate for the Office to conclude
l there was none. Patz v. Dept. of Health, 864 So.2d 79, 80 (Fla. 3d DCA 2003).
14. When Respondents failed to submit a response to the Office on or before May 7,
2026, Respondents did not timely file a petition or any other document in response to the Administrative Complaint. 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 that form the basis for the
Administrative Complaint, together with the waiver of a hearing by Respondents, constitute 3

grounds for the Office to suspend mortgage broker license number MBRl 924 and impose an administrative fine against MORTGAGE PLUS INC. and LOUIS SAMUEL TRAVIESO. 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 $4,375.00 (Four Thousand Three Hundred Seventy-Five Dollars). B. Respondents shall submit the administrative fine in the form of money order, cashier's check, or wire transfer made payable to the "OFFICE OF FINANCIAL REGULATION." Such payment shall reference Case Number 131179 and shall be sent to the attention of the Agency Clerk, c/o Damaris E. Reynolds, Post Office Box 8050, Tallahassee, Florida 32314-8050.
C. Thirty (30) days from the entry of this Final Order, mortgage , broker license
MBR 1924 shall be SUSPENDED for twenty (20) days.
DONE and ORDERED this /~ day ofJuly, 2026, in Tallahassee, Leon County, Florida. Commissioner 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. Certified Mail to Mortgage Plus Inc. and Louis Samuel Travieso, at 13236 Fawn Lily Drive, Riverview, Florida 33579 and by email at louis.travieso@mortgageplusinc.com on this /4f~ y of July, 2026. 9489 0090 0027 6620 8114 35 6 c • Regulation 8050 L 32314-8050 Emai cy.Clerk@flofr.gov Tel: (850) 410-9889

Exhibit A
STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
MORTGAGE PLUS INC.
AND LOUIS SAMUEL TRAVIESO, Case Number: 131179 Respondents.
ADMINISTRATIVE COMPLAINT
The State of Florida, Office of Financial Regulation, ("Office") files this Administrative Complaint against MORTGAGE PLUS INC. and LOUIS SAMUEL TRAVIESO (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, MORTGAGE PLUS INC. is and has been licensed with the
   Office as a mortgage broker (License number MBR1924) since January 13, 2016.

9. At all material times, LOUIS SAMUEL TRAVIESO is and has been the 100%
   owner and CEO of MORTGAGE PLUS INC. As such, he is responsible for the daily operations of MORTGAGE PLUS INC., pursuant to section 494.001(30), Florida Statutes.

10. As part of its most recent examination (Examination number 130060), the Office
    reviewed certain documents from Respondents to ascertain compliance with chapter 494. 2

11. Rule 69V-40.ll l(l), 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-40.111(5), Florida Administrative Code, the range for a
    "B" level administrative fine is $3,500.00 to $7,500.00 and a IO to 20-day suspension may be imposed. 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, Respondents were issued a Notice of Non-Compliance on December
    28, 2018, related to Examination No. 92352, for late filed MCRs for the First, Second, and Third Quarters of 2018. Additionally, an administrative fine related to Examination No. 102381 and OFR Legal Case No. 104433 was imposed pursuant to a final order which was issued on December 17, 2021, due to late filed MCRs for all four quarters of2020 and the first quarter of 2021. Furthermore, an administrative fine related to Examination No. 116191 and OFR 3

Legal Case No. 121858 was imposed pursuant to a final order which was issued on February 4, 2025, for late filed MCRs for all four quarters of 2023 and the first quarter of 2024. 1 7. During their most recent examination, 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 Second Quarter 2024, ending on June 30, 2024, which was due on August 14, 2024, and was filed on December 2, 2024, 110 days late. Respondents also failed to timely submit the MCR for the Third Quarter 2024, ending on September 30, 2024, which was due on November 14, 2024, and was filed on December 30, 2024, 46 days late. Additionally, the MCR for the Fourth Quarter 2024, ending on December 31, 2024, which was due on February 14, 2025, was filed as of March 28, 2025, 42 days late.
18. By failing to timely submit its Second, Third, and Fourth Quarter 2024 MCRs,
Respondents violated Rule 69V-40.176(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.l 11, Florida Administrative Code, violation number 65, a licensee cited for a violation of section 494.004(2), Florida Statutes, is subject to an "B" level administrative fine and 20-day license suspension.
20. Therefore, the Office is seeking to impose a $4,375.00 administrative fine and
20-day license suspension.
WHEREFORE, Respondents, MORTGAGE PLUS INC. AND LOUIS SAMUEL TRAVIESO, are hereby notified that the Office intends to enter an Order imposing an administrative fine of $4,375.00 and 20-day license suspension. 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 .5 69 and 120 .5 7, 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 MORTGAGE PLUS INC. and LOUIS SAMUEL TRAVIESO, 13236 Fawn Lily Drive, Riverview, Florida 33579 on this 25th day of November, 2025. 6 Damaris E. Reynolds Assistant General Counsel Office of Financial Regulation

CERTIFICATE OF SERVICE
I HEREBY CERTIFY that a true and correct copy of the foregoing Administrative Complaint has been sent for personal service to: LOUIS SAMUEL TRAVIESO, 13236 Fawn Lily Drive, Riverview, Florida 33579 on this 26th day of March, 2026. 7 Damaris E. Reynolds Assistant General Counsel Office of Financial Regulation

Exhibit B
RETURN OF SERVICE
STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION ADMINISTRATIVE COMPLAINT, NOTICE OF RIGHTS, NOTICE TO RESPONDENTS, CERTIFICATE OF SERVICE & ELECTION OF PROCEEDINGS Case Number: 131179 IN RE:
MORTGAGE PLUS INC. AND LOUIS SAMUEL TRAVIESO
For:
FLORIDA- OFFICE OF FINANCIAL REGULATION
200 EAST GAINES STREET
TALLAHASSEE, FL 32399
Received by BOYD'S 1 STOP PROCESS SERVICE, INC. on the 25th day of March, 2026 at 4:31 pm to be served on LOUIS SAMUEL TRAVIESO, 13236 FAWN LILY DRIVE, RIVERVIEW, FL 33579. I, Corey Bradford., do hereby affirm that on the 16th day of April, 2026 at 10:15 am, I:
INDIVIDUALLY/PERSONALLY served by delivering a true copy of the STATE OF FLORIDA OFFICE OF FINANCIAL REGULATIONADMINISTRATIVE COMPLAINT, NOTICE OF RIGHTS, NOTICE TO RESPONDENTS, CERTIFICATE OF SERVICE & ELECTION OF PROCEEDINGS with the date and hour of service endorsed thereon by me, to: LOUIS SAMUEL TRAVIESO at the address of: 13236 FAWN LILY DRIVE, RIVERVIEW, FL 33579, and informed said person of the contents therein, in compliance with state statutes. Additional Information pertaining to this Service:
3/30/2026 12:48 pm No answer, property is a gated community, servant, and community server, ring doorbell and knocked on door. Dogs barking inside no response. 4/4/2026 6:49 pm Attempted Saturday and no access thru gate, server waited a few minutes to gain entry. 4/13/2026 8:25 pm No access thru gate, server waited. Could not gain access Description of Person Served: Age: 45, Sex: M, Race/Skin Color: White, Height: 5'10", Weight: 215, Hair: Black, Glasses: N I certify that I am over the age of 18, have no interest in the above action, and am a Certified Process Server, in good standing, in the judicial circuit in which the process was served. Under Penalties of Perjury, I declare I have read the foregoing document and the facts stated in it are true. NO NOTARY REQUIRED PURSUANT TO F.S. 92.525(2) CPS 07-828362 BOYD'S 1 STOP PROCESS SERVICE, INC. 507 S. 33rd Street Ft. Pierce, FL 34947 (772) 460-6679 Our Job Serial Number: PDB-2026003522 Ref: MORTGAGE PLUS/ TRAVIESO Copyright© 1992-2026 DreamBuilt Software, LLC. • Process Seiver's Toolbox V9.0e 111 111111111 1111 111 IIIII II II I Ill Ill

DELIVERED 4 / 16/ 2026 10: 15 AM
SERVER ..,CBa::........------
LICENSE CPS 07-828362
STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
MORTGAGE PLUS INC.
AND LOUIS SAMUEL TRAVIESO, Case Number: 131179 Respondents.
ADMINISTRATIVE COMPLAINT
The State of Florida, Office of Financial Regulation, ("Office") files this Administrative Complaint against MORTGAGE PLUS INC. and LOUIS SAMUEL TRAVIESO (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(1)(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, MORTGAGE PLUS INC. is and has been licensed with the
   Office as a mortgage broker (License number MBR1924) since January 13, 2016.

9. At all material times, LOUIS SAMUEL TRAVIESO is and has been the 100%
   owner and CEO of MORTGAGE PLUS INC. As such, he is responsible for the daily operations of MORTGAGE PLUS INC., pursuant to section 494.001(30), Florida Statutes.

10. As part of its most recent examination (Examination number 130060), the Office
    reviewed certain documents from Respondents to ascertain compliance with chapter 494. 2

11. Rule 69V-40.l ll(l), 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. ll 1(5), Florida Administrative Code, the range for a
    "B" level administrative fine is $3,500.00 to $7,500.00 and a 10 to 20-day suspension may be imposed. 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-40.176(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, Respondents were issued a Notice of Non-Compliance on December
    28, 2018, related to Examination No. 92352, for late filed MCRs for the First, Second, and Third Quarters of 2018. Additionally, an administrative fine related to Examination No. 102381 and OFR Legal Case No. 104433 was imposed pursuant to a final order which was issued on December 17, 2021, due to late filed MCRs for all four quarters of 2020 and the first quarter of 2021. Furthermore, an administrative fine related to Examination No. 116191 and OFR 3

Legal Case No. 121858 was imposed pursuant to a final order which was issued on February 4, 2025, for late filed MCRs for all four quarters of 2023 and the first quarter of 2024. 1 7. During their most recent examination, 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 Second Quarter 2024, ending on June 30, 2024, which was due on August 14, 2024, and was filed on December 2, 2024, 110 days late. Respondents also failed to timely submit the MCR for the Third Quarter 2024, ending on September 30, 2024, which was due on November 14, 2024, and was filed on December 30, 2024, 46 days late. Additionally, the MCR for the Fourth Quarter 2024, ending on December 31, 2024, which was due on February 14, 2025, was filed as of March 28, 2025, 42 days late.
18. By failing to timely submit its Second, Third, and Fourth Quarter 2024 MCRs,
Respondents violated Rule 69V-40.176(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-40.111, Florida Administrative Code, violation number 65, a licensee cited for a violation of section 494.004(2), Florida Statutes, is subject to an "B" level administrative fine and 20-day license suspens10n.
20. Therefore, the Office is seeking to impose a $4,375.00 administrative fine and
20-day license suspension.
WHEREFORE, Respondents, MORTGAGE PLUS INC. AND LOUIS SAMUEL TRAVIESO, are hereby notified that the Office intends to enter an Order imposing an administrative fine of $4,375.00 and 20-day license suspension. 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 MORTGAGE PLUS INC. and LOUIS SAMUEL TRAVIESO, 13236 Fawn Lily Drive, Riverview, Florida 33579 on this 25th day of November, 2025. 6 ~~Damaris Assistant E. General Reynolds Counsel ~ Office of Financial Regulation