Final Order Revoking Loan Originator License of Blake Michael Jabiro

Index: OFR 2026- 282
STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
BLAKE MICHAEL JABIRO, Case Number: 135398
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 BLAKE MICHAEL JABIRO ("Respondent"). FINDINGS OFF ACT

1. The Office has jurisdiction over the subject matter of this case and the parties
   hereto.
2. At all times material, Blake Michael Jabiro is and has been licensed in Florida as a
   loan originator, having been issued license number LO88046, pursuant to chapter 494, Florida Statutes.
3. On March 16, 2026, the Office issued an Administrative Complaint ("Complaint")
   seeking revocation of license. (Exhibit A)
4. The Complaint contained a Notice of Rights, which fully advised Respondent that
   he had twenty-one (21) days after the receipt of the Complaint within which to petition the Office for an administrative hearing to contest the allegation 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 RECEIPT 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. Respondent was served the Complaint via U.S. Certified Mail on April 3, 2026.
(Exhibit B). As such, a response was due no later than Monday, April 24, 2026. To date, the Office has neither received a written response to the Complaint nor have Respondents made a claim of equitable tolling.
6. The Findings of Pact alleged in the 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
Respondent.
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 affects the substantial interests of a party be filed with the agency within 21 days of receipt of written notice of the action. 2

10. 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).
11. 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 2. The doctrine of equitable tolling can be applied in administrative cases when a party has been misled or lu11ed 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 there was none. Patz v. Dept. of Health, 864 So.2d 79, 80 (Fla. 3d DCA 2003).
14. When Respondent failed to submit a response to the Office on or before April 24,
2026, Respondent did not timely file a petition or any other document in response to the Complaint. Respondent also presented no claim, or evidence of equitable tolling. Therefore, it is appropriate for the Office to conclude there was no equitable tolling and Respondent waived their right to an administrative proceeding.
15. Based on the Findings of Fact adopted herein, the Office concludes that Respondent
violated the specific statutes and rules charged in the Complaint and, as such, the specific charges in the 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 Complaint,
together with the waiver of a hearing by Respondent, constitute grounds for the Office to revoke Respondent BLAKE MICHAEL JABIRO loan originator license number LO88046. Based on the foregoing Findings of Fact and Conclusions of Law, it is hereby 3

ORDERED:
A. Effective the date of this Final Order, Blake Michael Jabiro loan originator license number LO88046 is hereby REVOKED. DONE and ORDERED this 3 rd day of June, 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 Blake Michael Jabiro at 5535 Harper Ct., West Bloomfield, Michigan 48322 and by email at Blake@lakeviewlend.com on this·3fo{ day of June, 2026. 9489 □□ □ □□ 27 662 □ 8137 29 6 ulation 314-8050 Em .Clerk@flofr.gov Tel: (850) 410-9889

EXHIBIT A
STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
Case No: 135398
BLAKE MICHAEL JABIRO,
Respondent.
ADMINISTRATIVE COMPLAINT
The State of Florida, Office of Financial Regulation, ("Office") files this Administrative Complaint against BLAKE MICHAEL JABIRO (''Respondent"), 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. Pursuant to section 494.00255(1)(u), Florida Statutes, failure to comply with any
   provision of chapter 494, Florida Statutes, or corresponding rules constitutes grounds for disciplinary action.
3. Rule 69V-40.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, Fonn OFR-494-14."
4. Pursuant to section 494.001(18), Florida Statutes, a "loan originator" means:

[A]n individual who, directly or indirectly, solicits or offers to solicit a mortgage loan, accepts or offers to accept an application for a mortgage loan, negotiates or offers to negotiate the tenns or conditions of a new or existing mortgage loan on behalf of a borrower or lender, or negotiates or offers to negotiate the sale of an existing mortgage loan to a noninstitutional investor for compensation or gain. The term includes an individual who is required to be licensed as a loan originator under the S.A.F.E. Mortgage Licensing Act of 2008.
5. 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.
6. Respondent is and has been licensed with the Office as a loan originator in the State
of Florida, having been issued license number LO88046 since May 20, 2021. COUNTI
7. The above general allegations are hereby re-alleged and incorporated by reference
as if fully stated herein.
8. Pursuant to section 494.00255(1 )(n) and (2)(c), Florida Statutes, it is grounds for
the revocation of a loan originator license under chapter 494, Florida Statutes, if the loan originator has his or her loan originator, mortgage broker, or mortgage lender license, or the equivalent of such license, revoked in any jurisdiction.
9. On May 5, 2025, the state of Minnesota Department of Commerce issued a Consent
Order in the Matter of the Mortgage Loan Originator License of Blake Jabiro License No. MN￾MLO-2007831, revoking the license of Blake Jabiro to conduct business as a mortgage loan originator.
10. Because Respondent's mortgage loan originator license was revoked in another
jurisdiction, it is grounds for Respondent's loan originator to be revoked in the State of Florida 2

pursuant to section 494.00255(1)(n), Florida Statutes.
11. Pursuant to the Disciplinary Guidelines for Mortgage Loan Originators and
Mortgage Entities Form OFR-494-14, incorporated by reference in Rule 69V-40.lll, Florida Administrative Code (2024), violation number 30, a licensee found to have violated section 494.00255() )(n), FJorida Statutes, is subject to revocation of license.
12. Therefore, the Office is seeking to revoke Respondent's Florida loan originator
license number LO88046.
WHEREFORE, Respondent, BLAKE MICHAEL JABIRO is hereby notified that the Office intends to enter an Order revoking his loan originator license number LO88046. [this section left intentionally blank with the Notice of Rights appearing in the following pages] 3

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:
Bv Mail or E-Mail
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 B,1 Hand Deliven:
Agency Clerk
Office of Financial Regulation
Office of General Counsel
The Fletcher Building, Suite 504
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. 4

NOTICE TO RESPONDENT
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, 101 East Gaines Street, Suite 504, Tallahassee, Florida 32399, Phone: (850) 410-9889, or by Email: Agency.Clerk@tlofr.gov. --/nQ _ bat~~!{_ Bianca Lherisson Assistant General Counsel Fla. Bar No. 119268 Office of Financial Regulation Office of General Counsel 200 E. Gaines Street Tallahassee, FL 32399-0370 Tel: (850) 410-9837 Email: Bianca.Lherisson@flofr.gov CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Administrative Complaint has been sent for service by U.S. Certified Mail to Blake Michael Jabiro at 5535 Harper Ct., West Bloomfield, Michigan 48322, on this 16th day of March, 2026. 9489 □□ 90 027 662 □ 8136 44 Bianca Lherisson Assistant General Counsel 5

STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION case No: 135398 Blake Michael Jabiro 5535 Harper Ct West Bloomfield, Ml 48322 ELECTION OF 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 SELECT ONLY ONE OF THE OPTIONS:
OPTION #1: 0 I do not request a hearing in this matter. I Q.Q..Il.Q! 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 Com lalnt and Im osin the enalties sou ht in the Administrative Com laint. OPTION #2: 0 I do~ 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. D Submit a written statement with supporting documentation to a Hearing Officer appointed by the Office. OPTION #3: 0 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. 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 emall: Agency.Clerk@flofr.gov; or
2. By U.S. Mail: P.O. Box 8050, Tallahassee, Florida 32314-8050; or
3. By hand delfvery: 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

STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
Case No: 135398
Blake Michael Jabiro
5535 Harper Ct.
West Bloomfield, Ml 48322
**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

Florida Office of Financial Regulation
200 East Gaines Street I Tallahassee, Florida 32399-0370 RETURN SERVICE REQUESTED . 1111111 II 11 9489 □□ □ □□ 27 bb2 □ 8136 44
.....
Blake Michael Jabiro
5535 Harper Ct
West Bloomfield, 1,ll 48322
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d UNITEDST/JTES
POST/JL SERVICE
April 6, 2026
Dear BIANCA LHERISSON:
EXHIBITB
The following is in response to your request for proof of delivery on your item with the tracking number:
9489 0090 0027 6620 8136 44.
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Delivered, Individual Picked Up at Post Office April 3, 2026, 9:06 am WEST BLOOMFIELD, Ml 48322 First-Class Mail® Certified Mail™ Return Receipt Electronic 41b, 0.1oz 5535 HARPER CT 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® 4 75 L'Enfant Plaza SW Washington, D.C. 20260-0004