Florida Office of Financial Regulation Final Order Against Prime Time Mortgage Corp and Roman Mitros

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STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
PRIME TIME MORTGAGE CORP, and
ROMAN MITROS,
Respondents.
FINAL ORDER
Case Number: 132025
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 PRIME TIME MORTGAGE CORP and ROMAN MITROS, ("Respondents"). 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, Respondents were and have been licensed in
   Florida as a mortgage broker with license number MBR4538.

3. The Office conducted an examination (No. 129888) to ascertain Respondents'
   compliance with chapter 494, Florida Statutes, and found that grounds existed to initiate legal action. As a result, on December 19, 2025, the Office issued an Administrative Complaint ("Complaint") seeking an administrative fine of$1,750.00. (Exhibit A)

4. Respondents were served the Complaint via U.S. Certified Mail on December 22,
   2025, and December 23, 2025. (Exhibit B). Accordingly, a response was due no later than January 13, 2025.

5. The Complaint contained a Notice of Rights, which fully advised Respondents that
   they 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 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.

6. To date, the Office has neither received a written response to the Complaint nor
   have Respondents made a claim of equitable tolling.

7. 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

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 2

affects the substantial interests of a party be filed with the agency within 21 days of receipt of written notice of the action. 1 I. 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
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 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 Respondents waived the right to an administrative proceeding.
15. The Findings of Fact and Conclusions of Law that form the basis for the 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 date of this Final Order, Respondents shall pay an ADMINISTRATIVE FINE of One Thousand Seven Hundred Fifty Dollars ($1,750.00). B. Respondents shall submit the administrative fine in the form of a money order, cashier's check, or wire transfer made payable to the "OFFICE OF FINANCIAL REGULATION." Such payment shall reference Case Number 132025 and shall be sent to the 3

attention of the Agency Clerk, c/o Damaris E. Reynolds, Post Office Box 8050, Tallahassee, Florida 32314-8050. DONE and ORDERED this \ 7-H, day of April, 2026, in Tallahassee, Leon County, Florida. Commissioner 4

NOTICE OF RIGHTS
A PARTY WHO IS ADVERSELY AFFECTED BY THIS FINAL ORDER IS ENTITLED TO nJDICIAL 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 has been sent for service via U.S. Certified Mail to Prime Time Mortgage Corp c/o Northwest Registered Agent, 7901 4th Street North, Suite 300, St. Petersburg, Florida 33702 and Roman Mitros, 6300 Garfield Avenue, Suite 100, Sacramento, CA 95841 on this ~ y of April, 2026. 91 7199 9991 7039 5466 1753 91 7199 9991 7039 5466 1760 6 A~JkAkr Office of Financial Regulation Post Office Box 8050 Tallahassee, FL 32314-8050 Email: Agency.Clerk@flofr.gov Tel: (850) 410-9889

Exhibit A
STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
PRIME TIME MORTGAGE CORP
AND ROMAN MITROS,
Case Number: 132025
Respondents.
ADMINISTRATIVE COMPLAINT
The State of Florida, Office of Financial Regulation, ("Office") files this Administrative Complaint against PRIME TIME MORTGAGE CORP and ROMAN MITROS (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, PRIME TIME MORTGAGE CORP is and has been licensed
   with the Office as a mortgage broker (License number MBR4538) since August 25, 2021.

9. At all material times, ROMAN MITROS is and has been the President and 100%
   owner of PRJME TIME MORTGAGE CORP. As such, he is responsible for the daily operations of PRIME TIME MORTGAGE CORP, pursuant to section 494.001(30), Florida Statutes.

10. As part of its most recent examination (Examination number 129888), the Office
    reviewed certain documents from Respondents to ascertain compliance with chapter 494. 2

11. Rule 69V-40.111 (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-40.1 l 1(5), Florida Administrative Code, the range for a
    "B" level administrative fine is between $3,500.00 to $7,500.00.
    COUNTI

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. I 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 non-compliance was issued on December 29, 2021, which
    was related to Exam No. 107998, following Respondents' late filing of the MCR for the third quarter of 2021. Additionally, a Final Order was issued in OFR Legal Case No. 120057 on March 11, 2025, which was related to Exam No. 115288, imposing an administrative fine due to the late filing of the MCRs for the fourth quarter of 2022 and all four quarters of 2023.

17. During the 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 3

MCR for the first quarter of 2024, ending on March 31, 2024, which was due on May 15, 2024, and was filed on December 3, 2024, 202 days late. Respondents also failed to timely submit the MCR for the second quarter of 2024, ending on June 20, 2024, which was due on August 14, 2024, and was filed on December 4, 2024, 112 days late, and the MCR for the fourth quarter of 2024, ending on December 31, 2024, which was due on February 14, 2025, and was filed on April 2, 2025, 47 days late.
18. By failing to timely submit its First, Second, 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.l l 1, 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.
20. Therefore, the Office is seeking to impose a $1,750.00 administrative fine.
WHEREFORE, Respondents, PRIME TIME MORTGAGE CORP and ROMAN MITROS, are hereby notified that the Office intends to enter an Order imposing an administrative fine of $1,750.00 (One Thousand Seven Hundred Fifty Dollars). [this space intentionally left blank with Notice of Rights appearing on the next page] 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:~/_e 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: Prime Time Mortgage Corp c/o Northwest Registered Agent, 7901 4th Street North, Suite 300, St. Petersburg, Florida 33702 and Roman Mitros, 6300 Garfield Avenue, Suite 100, Sacramento, CA 95841 on December 19, 2025. 6 ~/_e~ Damaris E. Reynolds Assistant General Counsel Office of Financial Regulation

~ UNITEDSTIJTES
~ POST/JL SERVICE
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January 8, 2026
Dear Amber Hopkins:
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~ UNITED ST/JTES I/a POST/JL SERVICE
January 8, 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 6214 9333 83.
Item Details
Status:
Status Date / Time:
Location:
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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