Final Order — Mortgage Broker

Index OFR 2026 - 386
STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
FREEDOM FINANCIAL SERVICES, INC., Case Number: 134036 Respondent.
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 FREEDOM FINANCIAL SERVICES, INC., ("Respondent"). FINDINGS OF FACT

1. The Office has jurisdiction over the subject matter of this case and the parties
   hereto.

2. At all times material to this case, Respondent was and has been licensed in Florida
   as a mortgage broker with license number MBR4134.

3. The Office conducted an examination to ascertain Respondent's compliance with
   chapter 494, Florida Statutes, and found that grounds existed to initiate administrative proceedings.
   As such, on April 22, 2026, the Office issued an Administrative Complaint ("Complaint") seeking an administrative fine of $1,750.00.

4. Respondent was served the Complaint via U.S. Certified Mail on April 25, 2026.
   As such, a response was due no later than Monday, May 18, 2026. On May 25, 2026, the Office received Respondent's written statement to the Complaint.

5. An Order Dismissing Petition With Leave to Amend ("Order") was entered on
   May 29, 2026. (Exhibit A). The Order requires Respondents to submit a response and/or petition to the Complaint (attached to the Order) within 21 days of receipt of the Order. If Respondent failed to submit a response and/or petition to the Complaint, the Office would adopt all factual allegations contained in the Complaint issued on April 22, 2026, as uncontested and issue a Final Order imposing an administrative fine of $1,750.00, as stated in the Complaint.

6. The Order contained a Notice of Rights, which fully advised Respondent that it had
   twenty-one (21) days after the receipt of the Order within which to petition the Office for an administrative hearing to contest the allegation(s) 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 ORDER DISMISSING PETITION WITH LEA VE TO AMEND. 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 ORDER DISMISSING PETITION WITH LEA VE TO AMEND. A FAILURE TO TIMELY RESPOND IN WRITING WILL CONSTITUTE AW AIYER OF THE LICENSEE'S RIGHT TO REQUEST A HEARING AND A FINAL ORDER MAY BE ENTERED WITHOUT FURTHER NOTICE.

7. The Order was served on Respondent on June 4, 2026. (Exhibit B). A response
   would be due no later than Thursday, June 25, 2026. To date, the Office has not received a written response or a request for hearing from Respondent, and/or a claim of equitable tolling.

8. The Findings of Fact alleged in the Complaint are hereby incorporated by reference
   and adopted as Findings of Fact in this Final Order.
   CONCLUSIONS OF LAW

9. Pursuant to sections 494.0011 and 494.0012, Florida Statutes, the Office is charged
   2

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.
10. The Findings of Fact herein serve as the basis of the entry of this Final Order against
Respondent.
11. 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
Respondent to timely respond to the Complaint constitutes a waiver of Respondent's right to an administrative proceeding. I 3. 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).
14. 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).
15. Respondent failed to submit a response to the Complaint and failed to present a
claim, or evidence of equitable tolling. Therefore, it is appropriate for the Office to conclude there was no equitable tolling, and Respondent waived its right to an administrative proceeding. 3

16. Based on the Findings of fact adopted herein, the Office concludes that Respondent
    violated the specific statutes and corresponding rules charged in the Complaint and, as such, the specific charges in the Compliant are adopted in this Final Order as Conclusions of Law.
17. The Findings of Fact and Conclusions of Law that form the basis for the Complaint,
    together with the waiver of a hearing by Respondent, constitute grounds for the Office to impose an administrative fine against FREEDOM FINANCIAL SERVICES, INC. Based on the foregoing Findings of Fact and Conclusions of Law, it is hereby ORDERED:
    Within thirty (30) days of the docketing of this Final Order, Respondent shall pay an ADMINISTRATIVE FINE of ONE THOUSAND SEVEN HUNDRED AND FIFTY DOLLARS ($1,750.00). This administrative fine shall be submitted in the form of a money order, cashier's check, or wire transfer made payable to the "OFFICE OF FINANCIAL REGULATION" and shall be sent to the attention of the Agency Clerk, c/o Maria A. Guitian, Post Office Box 8050, Tallahassee, Florida 32314-8050. DONE and ORDERED this 3c d day of August, 2026, in Tallahassee, Leon County, Florida. 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:
B v Mail or Email
Agency Clerk
Office of Financial Regulation
P.O. Box 8050
Tallahassee, Florida 32314-8050
Phone: (850) 410-9889
Email: Agency.Clerk@flofr.gov
OR Bv Hand Deliverv
Agency Clerk
Office of Financial Regulation
General Counsel's Office
The Fletcher Building
101 East Gaines Street
Tallahassee, Florida 32399
Phone: (850) 410-9889
A COPY OF THE NOTICE OF APPEAL, ACCOMPANIED BY THE FILING FEES AS REQUIRED BYLAW, MUST ALSO BE FILED WITH THE DISTRICT COURT OF APPEAL, FIRST DISTRICT, 2000 DRAYTON DRIVE, TALLAHASSEE, FLORIDA 32399, OR WITH THE DISTRICT COURT OF APPEAL IN THE APPELLATE DISTRICT WHERE THE PAR TY 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 Freedom Financial Services, Inc. at 82 S. Jefferson Street, Beverly Hills, Florida 34465 and by electronic mail to ferdi.diaz@freedomfinancial4you.com on this sd day of August, 2026. 6 I Regulation 8050 . L 32314-8050 y.Clerk@flofr.gov Tel: (850) 410-9889

EXHIBIT A
Index: OFR 2026 - 281 (ODP)
ST ATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
FREEDOM FINANCIAL SERVICES, INC.,
Respondent.
ORDER DISMISSING PETITION
WITH LEAVE TO AMEND
Case Number: 134036
The State of Florida, Office of Financial Regulation ("Office"), pursuant to the provisions of chapters 120 and 494, Florida Statutes, enters this Order Dismissing Petition with Leave to Amend, a11owing Respondent to re-submit a petition/response that conforms to the requirements of sections 120.569(2)(c) and (d), Florida Statutes, and Ru]e 28-106.2015(5), FJorida Administrative Code. In support thereof, the Office finds as follows:
FINDINGS OF FACT

1. On April 22, 2026, the Office issued an Administrative Complaint ("Complaint")
   against Respondent, alleging violations of chapter 494, Florida Statutes. (Exhibit A)

2. The Office served the Administrative Complaint on Respondents by Certified U.S.
   Mail on April 25, 2026. (Exhibit B)

3. The Complaint contained a Notice of Rights, which fully advised Respondent that it
   had twenty-one (21) days after the receipt of the 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 WRJTTEN
RESPONSE MUST BE FILED WITH THE OFFICE OF
FINANCIAL REGULATION WITHIN TWENTY-ONE (21)
DAYS AFTER TIIE RECEIPT OF THE ADMINISTRATIVE
COMPLAINT. SAID RESPONSE MUST BE RECENED BY THE OFFICE NO LATER THAN 5:00 P.M. ON THE TWENTY~FIRST DAY AFTER THE RECEIPT OF THE ADMINISTRATIVE COMPLAINT. AF AILURE TO TlMEL Y RESPOND IN WRITING WILL CONSTITUTE A WAIVER OF THE LICENSEE'S RJGHT TO REQUEST A HEARING AND A FINAL ORDER MAY BE ENTERED WITHOUT FURTHER NOTICE.
4. Respondent's written response to the Complaint was due on or before May 18,
5. On May 25, 2026, the Office received Respondent's written statement to the
Complaint, which did not identify any grounds for equitable tolling. (Exhibit C)
6. Respondent's untimely response does not dearly indicate whether Respondent
disputes the Office's factual allegations and conclusions of law. The response is not clear as to whether Respondent seeks an infonnal hearing pursuant to section 120.57(2), Florida Statutes, before a hearing officer appointed by the Office, or a fonnal hearing pursuant to section 120.57(1 ), Florida Statutes, before the Division of Administrative Hearings. CONCLUSIONS OF LAW
7. The Office has jurisdiction over this matter pursuant to chapters 120 and 494,
Florida Statutes.
8. Sections 120.569 and 120.57, Florida Statutes, address agency actions that affect
the substantial interests of a party and provide procedures applicable to a party's right to a hearing.
Section 120.57(2), Florida Statutes, addresses the procedure applicable to hearings not involving
disputed issues of material fact.
2

9. Sections l 20.569(2)(c) and (2)(d), Florida Statues, require the Office to dismiss any
   petition/response that is either untime]y filed or not in substantial compliance with the uniform rules for requesting a hearing. The dismissal of the petition/response shall be, at least once, without prejudice to amend the petition/response.

10. Pursuant to Rule 28-106.11 ) ( 4 ), Florida Administrative Code, the failure of
    Respondents to timely respond to the Complaint constitutes a waiver of Respondents' right to an administrative proceeding. J 1. The doctrine of equitable tolling can be applied in administrative cases when a party "has been misled or lulled into inaction, 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, 1134 (Fla. 1988).

11. Respondent failed to file a timely petition or any other document in response to the
    Complaint within the 21 •day time period allowed by law or present a claim of equitable tolling. See Patz v. Dept. of Health, 864 So. 2d 79, 80 (Fla. 3d DCA 2003). Respondent's email dated May 22, 2026, fell outside the 21-day time period and no additional communication has been received from Respondents since then.

12. Excusable neglect, which occurs when a document is untimely filed through
    oversight, inaction, misunderstanding of a deadline, or a mistaken belief that the document would be filed earlier than it was, does not constitute grounds for equitable tolling. See Cann v. Dep't of Children and Family Servs., 813 So. 2d 237 (Fla. 2d DCA 2002).

13. Respondent submitted an untimely response which does not identify any grounds
    for equitable tolling.
    3

14. Respondent's submission must be dismissed with the opportunity to amend to
    permit Respondent to identify the basis for equitable tolling of the 2 I-day deadline for requesting a hearing. Based on the foregoing Findings of Fact and Conclusions of Law, it is hereby ORDERED:
    A. Respondent's petition/response is hereby DISMISSED. Respondent has the option to re-submit a confonning petition/response to the Office identifying any basis for equitable tolling of the 21-day deadline for requesting a hearing. Respondent is granted 2 I days from the date of receipt of this Order to file a written request for a hearing in compliance with all applicable administrative rules and laws and which identifies the grounds for equitable tolling of the untimely petition/response. B. If by the close of business on the 2 I st day after receipt of this Order, there is no timely response filed with the Office, the Office will adopt all factual allegations contained in the Complaint issued on April 22, 2026, as uncontested and issue a Final Order imposing an administrative fine of One Thousand Seven Hundred Fifty Dollars ($1,750.00), as stated in the Complaint.
    C. If a timely response is received, but the response does not identify grounds for
    equitable tolling, the Office will adopt all factual alJegations contained in the Complaint issued on April 22, 2026, as uncontested and issue a Final Order imposing an administrative fine of One Thousand Seven Hundred Fifty Dollars ($1,750.00), as stated in the Complaint. D. If a timely response is received which identifies grounds for equitable tolling, the Office will refer the matter for a hearing solely on the issue of equitable toJling. 4

DONE and ORDERED this 2cf' day of June, 2026, in Tallahassee, Leon County, Florida. NOTICE OF RIGHTS The licensee is entitled to be represented by counsel or another qualified representative. The Jicensee 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 or Email OR
Office of Financial Regulation
P.O. Box 8050
Tallahassee, FL 32314-8050
Phone: (850) 410-9889 agency.clerk@flofr.gov
By Hand Deliven
Office of Financial Regulation
General Counsel's Office
The Fletcher Building,
IO 1 East Gaines Street
Tallahassee, FL 32399-0379
Phone: (850) 4 J 0-9889
TO PRESERVE THE RIGHT TO A BEARING, A WRITTEN RESPONSE MUST BE FILED WITH THE OFFICE OF FINANCIAL REGULATION WITHIN TWENTY￾ONE (21) DAYS AFTER THE RECEIPT OF THE ORDER DISMISSING PETITION WITH LEA VE TO AMEND. SAID RESPONSE MUST BE RECEIVED BY THE OFFICE NO LATER THAN 5:00 P.M. ON THE TWENTY-FIRST DAY AFTER THE RECEIPT OF ORDER DISMISSING PETITION WITH LEA VE TO AMEND. AF AIL 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

You may not make an oral request for an administrative hearing. With regard to a written request, if you fail to fo]]ow 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. NOTICE TO RESPONDENTS In accordance with the Americans with Disabilities Act, persons with disabilities needing a 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 Regu]ation, The Fletcher Building, 101 East Gaines Street, Tallahassee, Florida 32399-0379, Phone: (850) 410-9889, or by Email: agency.clerk@flofr.gov. CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Order has been furnished by U.S. Certified Mai) to Freedom Financial Services, Inc. 82 S. Jefferson Street, Beverly Hills, Florida 34465; and via email at ferdi.diaz@freedomfinancial4you.com on this l..q+l'\ day of June, 2026. 9489 □□ □ □□ 27 662 □ 8137 36 Regulation 2314-8050 Post O fa•e Box 8050 Email: Agency.Clerk@flofr.gov Tel: (850) 410-9889 6

EXHIBIT A
ST ATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
FREEDOM FINANCIAL SERVICES, INC., Case Number: 134036 Respondent.
ADMINISTRATIVE COMPLAINT
The State of Florida, Office of Financial Regulation, ("Office") files this Administrative Complaint against FREEDOM FINANCIAL SERVICES, INC. ("Respondent"), alleging:
GENERAL ALLEGATIONS
I. Pursuant to section 494.0011, Florida Statutes, the Office is charged with
administering and enforcing the provisions of chapter 494, Florida Statutes.
2. 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.
3. Pursuant to section 494.001 (23), Florida Statutes, a "mortgage broker" means a
person conducting loan originator activities through one or more licensed loan originators employed by the mortgage broker or as independent contractors to the mortgage broker.
4. 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 licensing of all mortgage loan originators and mortgage entities in Florida. §494.001(33), Florida Statutes.
5. Freedom Financial Services, Inc. is licensed with the Office as a mortgage broker,
having been issued license number MBR4 I 34.

6. Fernando Leovigildo Diaz, a licensed loan originator (LO30798) is the President,
   sole owner, and Principal Loan originator of Freedom Financial Services, Inc.

7. The Office conducted an examination (No. 133096) to ascertain Respondent's
   compliance with Florida Statutes, and the corresponding rules.

8. Rule 69V-40. l I l(l), Florida Administratrive Code, provides that the penalties that
   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".

9. Pursuant to Rule 69V- 40.111 (5), Florida Administrative Code, the range for an
   "A" level administrative fine is between $1,000.00 to $3,500.00.

10. Pursuant to Rule 69V-40.1 l 1(5), Florida Administrative Code, the range for a "B"
    level administrative fine is between $3,500.00 to $7,500.00.
    COUNTI
    1 1. The above general allegations are hereby re-alJeged and incorporated by reference as if fully stated herein.

11. Pursuant to 494.004(2), Florida Statutes, a mortgage broker must submit to the
    Office on a quarterly basis a report ofcondition, also known as a Mortgage Call Report ("MCR") viaNMLS.

12. Pursuant to Rule 69V-40.176(3)(a), Florida Administrative Code, a mortgage
    broker must submit the Residential Mortgage Loan Activity component of the MCR to the Office via NMLS within 45 days of the end of each calendar quarter.

13. During the examination, the Office found the following with regards to
    Respondent's MCR submissions:
    2

14. First Quarter 2024 MCR, was due May 15, 2024, and was submitted on June 17,
    2024 (33 days late);
    ii. Second Quarter 2024 MCR was due August 14, 2024, and was submitted on
    December 11, 2024 (119 days late); and,
    iii. Fourth Quarter 2024 MCR was due February 14, 2025, and was submitted on April
    25, 2025 (70 days late).

15. By failing to timely submit quarterly MCRs, Respondent violated Rule 69V-40.176
    (3), Florida Administrative Code, thereby violating section 494.004(2), Florida Statutes.

16. In the past, Respondent received a Notice of Late Compliance on January 19, 2023,
    for failing to timely submjt the MCR for the Third Quarter 2022; and, on July 13, 2023, Respondent receive a Notice of Non-Compliance for failing to timely submit the MCR for the First Quarter

1 7. Pursuant to the Disciplinary Guidelines for Mortgage Loan Originators and Mortgage Entities Form OFR-494-14, incorporated by reference in Rule 69V-40.1 ll, Florida Administrative Code, a licensee found to have violated section 494.004(2), Florida Statutes, for the third time is subject to a "B" level administrative fine.
18. Therefore, the Office is seeking an administrative fine of $1,750.00.
WHEREFORE, Respondent, FREEDOM FINANCIAL SERVICES, INC., is hereby notified that the Office intends to enter an Order imposing an administrative fine of $1,750.00. [this section left intentionally blank] 3

NOTICE OF RIGHTS
The licensee is entitled to be represented by counse] or other qua1ified 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. l 04, Florida Administrative Code. An Election of Proceeding form is attached for your convenience. Any such request must be filed as follows:
Bv Mail or E-Mail
Office of Financial Regulation
P.O. Box 8050
Tallahassee, FL 32314-8050
Phone: (850) 410-9889
Email: Agency.Clerk@flofr.gov
OR B,, Hand Deliven
Office of Financial Regulation
General Counsel's Office
The Fletcher Building
IO 1 East Gaines Street, Suite 504
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. AF AIL 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. You may not make an oral request for an administrative hearing. With regard to a written request, if you fail to fo11ow 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. 4

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, I 01 East Gaines Street, Suite 504, Tallahassee, Florida 32399, Phone: (850) 410-9889, or by Email: Agency.Clerk@flofr.gov. Byin(llJOJ a .. l1.,ia.'4J Maria A. Guitian Assistant General Counsel Office of Financial Regulation Office of General Counsel Fla. Bar No. 813966 200 E Gaines Street Tallahassee, FL 32399-0370 Tel: 305-536-0341 Email:Maria.Guitian@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 Freedom Financial Services, Inc. 82 S. Jefferson Street, Beverly HilJs, Florida 34465, on this 22nd day of April, 2026. -tnoui, Q.. }j,,;~ Maria A. Guitian Assistant General Counsel 5

ST ATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
Case No: 134036
Freedom Financial Services, Inc.
82 S. Jefferson Street
Beverly Hills, Florida 34465
E I N O PROCEEDING
I have received and read the Administrative Complaint, including the Notice of Rights, filed by the Office of Financial Regulation ("Office") regarding the above-referenced Respondent, and I am requesting disposition as indicated below. PLEASE SELEO ONLY ONE OF THE OPTIONS:
OPTION #1: D I do not 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 ente he findings of fact and condusions of law In the Administrative Com lalnt and Im ht in the Administrative Com lal . OPTION #2: D 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. D Attend a hearing by video teleconference before a Hearing Officer appointed by the Office; OR b. D Submit a written stat men 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 J dispute. 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, Suite 504, Fletcher Bldg., 101 E. Gaines Street, Tallahassee, FL 32399.
   Signature of Respondent or Mailing Address
   Authorized Representative of Respondent
   Printed Name & Title City State Zip
   Date E-mail Address Telephone Number
   Form: OFR-GC-13 (rev. 1/28/2026)
   Page 1 of 2

Case No: 134036
Freedom Financial Services, Inc.
82 S. Jefferson Street
Beverly Hills, Florida 34465
STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
**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 Form: OFR-GC-13 (rev. 1/28/2026)
Page 2 of2
Date

iiiir'!f!I UNITED STL'.TES
~ POSTM SERVICE
May 20, 2026
Dear Maria A Guitian:
EXHIBIT B
The following is in response to your request for proof of delivery on your item with the tracking number· 9489 0090 0027 6620 8204 06. Item Details Status:
Status Date / Time:
Location:
Postal Product:
Extra Services:
Shiprn?nt Deta 1s
Weight:
Signature of Recipient:
Address of Recipient:
Delivered, left with Individual
April 25, 2026, 12:00 pm
BEVERLY HILLS, FL 34465
First-Class Mail®
Certified Mail™
Return Receipt Electronic
3Ib, 15.5oz
82 S JEFFERSON ST, BEVERLY
HIUS, Fl 34465
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 Servicee 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

Guitian, Maria
From: Agency Clerk
Sent
To:
Monday, May 25, 2026 12:04 PM
Guitian, Maria
Cc: Franz, Carrie; Hopkins, Amber
Subject:
Attachments:
FW: Case No. 134036 - Freedom Financial Setvices Inc - EOP Doc1.pdf From: ferdi.diaz@freedomfinancial4you.com ferdi.diaz@freedomfinancial4you.com Sent: Friday, May 22, 2026 7:04 PM To: Agency Clerk Agency.Clerk@flofr.gov Subject: case No. 134036 You don't often get email from ferdi.c.liaz,arfreedorn.fioru3cial41ou.com. earn wh t • is imJ]ortant Hi Office of Financial Regulation, See attached written Statement to case #134036 Thank You, God Bless ... "In God we Trust" ~ ~ Selll.fieu, :Jnr. NMLS#2121727 NMLS#305050 Prrsidtnt!Cl:O 82 S. ,Jefferson St. Beverly Hills, Fl. 34465 fwli,Diapa·Freedom Fioancial4You.com Apply for a Loan Here: www.FreedomFinancial4You.com "Our Service Beats The Competition" SKYPE:FreedomFinancial 123 Office (239) 327-7922 Direct CeU (954)-347-5782 Fax (888)-202-4536 1 EXHIBIT C

for Residential Mortgage Application
2

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~ UNITED ST/JTES
~ POST/JL SERVICE ®
July 23, 2026
Dear Maria A Guitian:
EXHIBIT B
The following is in response to your request for proof of delivery on your item with the tracking number:
9489 0090 0027 6620 8137 36.
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June 04, 2026, 02:02 pm
BEVERLY HILLS, FL 34465
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8Ib, 2.5oz
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