Compliance and Licensure

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Recourse operates as a short sale service of Blue Mar Real Estate Group, Inc., a Florida-licensed real estate brokerage. We want you to be able to verify that we are who we say we are, operate the way we say we operate, and comply with the laws that govern this work.

Verify our license

Blue Mar Real Estate Group, Inc. is licensed by the State of Florida as a real estate corporation:

• License number: CQ1018554
• License type: Real Estate Corporation (Brokerage)
• License status: Active
• Verify directly with the State of Florida: Florida Department of Business and Professional Regulation

The DBPR website allows you to look up Florida real estate licenses by name, license number, or company. You can verify our license is current, see the licensed broker associated with the corporation (Marie I. Sanjurjo), and review the licensing history.

Marie I. Sanjurjo, Broker

Marie I. Sanjurjo is the broker of record and broker/owner of Blue Mar Real Estate Group, Inc. She is the licensed practitioner handling Recourse short sale work.

• Florida-licensed Real Estate Broker (BK license — separate from the corporate CQ license)
• Certified Distressed Property Expert (CDPE)
• Master of Business Administration (MBA)
• More than 20 years in Florida real estate

Marie's individual broker license can be verified through the same DBPR system: Florida DBPR

Laws and regulations we comply with

Recourse operates under multiple regulatory frameworks. Specifically:

Florida real estate licensing law

• Florida Statute Chapter 475 (Real Estate Brokers, Sales Associates, and Schools)
• Florida Real Estate Commission (FREC) rules — operational rules governing brokerage practice
• FREC Rule 61J2-10.025 — advertising and disclosure requirements; Blue Mar Real Estate Group, Inc. and license #CQ1018554 appear conspicuously on every page footer

Federal real estate and consumer protection law

• Mortgage Assistance Relief Services rule (MARS), 12 CFR Part 1015 — federal regulation of mortgage assistance services; we operate under the real estate broker exemption. Learn more about MARS →
• Real Estate Settlement Procedures Act (RESPA) — federal regulation of real estate settlement
• Truth in Lending Act (TILA) — federal regulation related to mortgage transactions

Florida-specific consumer protection law

• Florida Foreclosure Rescue Fraud Prevention Act (FRFPA), Fla. Stat. § 501.1377 — Florida regulation of foreclosure-rescue consulting; we operate under the real estate broker exemption. Learn more about FRFPA →
• Florida Deceptive and Unfair Trade Practices Act (FDUTPA) — general Florida consumer protection law

Fair housing law

• Federal Fair Housing Act (Title VIII of the Civil Rights Act of 1968)
• Florida Fair Housing Act (Florida Statute Chapter 760)
• Equal Housing Opportunity — we display Equal Housing Opportunity statements per fair housing law requirements

Privacy law

• Florida Information Protection Act (FIPA) — Florida data breach notification and security requirements
• California Consumer Privacy Act (CCPA) — if applicable to California residents who use our Service
• Other state privacy laws — as applicable based on user location

Foreclosure-specific Florida law

• Florida Statute Chapter 702 (Foreclosure of Mortgages) — including § 702.06 (deficiency judgments). Learn more about Florida deficiency →
• Florida Rules of Civil Procedure — governing court process in foreclosure cases

Professional insurance

Blue Mar Real Estate Group, Inc. carries professional liability insurance (errors and omissions / E&O) at coverage levels appropriate for our practice. Insurance certificates are available on request for legitimate purposes.

Trust account compliance

Florida real estate brokerages handling client funds must comply with FREC trust account rules. Blue Mar Real Estate Group, Inc. operates compliant escrow / trust account procedures for funds held during transactions. Importantly: we do not collect upfront fees from homeowners, so most homeowner funds in our practice flow through closing rather than through client trust accounts.

Anti-discrimination commitment

We comply with all applicable fair housing and anti-discrimination laws. We do not discriminate against any homeowner based on race, color, religion, national origin, sex, familial status, disability, sexual orientation, gender identity, source of income, or any other characteristic protected by federal, state, or local law.

If you experience discrimination in your interactions with Recourse, please report it immediately to:

• Blue Mar Real Estate Group, Inc. (we want to know and address it)
• The U.S. Department of Housing and Urban Development (HUD): File a complaint
• The Florida Commission on Human Relations
• The Florida Real Estate Commission

How to file a complaint

If you have concerns about our conduct:

First, contact us directly. Most concerns can be addressed through direct conversation. We take complaints seriously.

Email: compliance@recoursefl.com Phone: [Phone number] Mail: Blue Mar Real Estate Group, Inc., [Brokerage business address]

File with regulators if appropriate:

• Florida Real Estate Commission (FREC) — for complaints about real estate brokerage conduct. File a complaint
• Florida Department of Business and Professional Regulation (DBPR) — broader regulatory body. DBPR complaints
• Florida Attorney General Consumer Protection — for consumer protection issues. File a complaint
• Consumer Financial Protection Bureau (CFPB) — for federal-level mortgage and consumer protection issues. File a complaint
• Florida Office of Financial Regulation — for mortgage industry issues. File a complaint

Recordkeeping

Florida real estate licensing law requires brokerages to maintain transaction records for specific periods. We maintain:

• Listing agreements and addenda
• Closing documents
• Trust account records (where applicable)
• Correspondence related to transactions
• Required disclosures

These records are retained per Florida real estate record-keeping requirements (typically five years after the transaction or last related activity) and available for regulatory review.

Continuing education

Florida-licensed real estate brokers are required to complete continuing education to maintain their licenses. Marie completes required continuing education on schedule and pursues additional education in areas relevant to the Recourse practice (distressed property work, ethics, fair housing, recent regulatory updates).

The Certified Distressed Property Expert (CDPE) designation includes its own continuing education requirements that Marie maintains.

Operational attorney

Blue Mar Real Estate Group, Inc. retains an operational attorney to advise on regulatory compliance for the Recourse practice. The attorney reviews compliance procedures, content for legal accuracy, and specific operational questions as they arise.

The retained operational attorney is not publicly named here as a matter of operational practice — they advise the brokerage and are not held out as the attorney clients should consult. When clients need attorneys, we refer to neutral resources (Florida Bar Lawyer Referral Service, Florida Legal Aid, HUD counselors) rather than to a specific affiliated attorney.

Equal Housing Opportunity

Recourse and Blue Mar Real Estate Group, Inc. are committed to the letter and the spirit of U.S. and Florida fair housing law. We provide services to all qualified homeowners without discrimination.

[Equal Housing Opportunity logo]

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Questions about compliance?

Contact us directly. We're happy to verify our licensure, walk through our compliance posture, or address specific concerns.

To independently verify our credentials:

• License verification: Florida DBPR license lookup — search "Blue Mar Real Estate Group" or "CQ1018554"
• Better Business Bureau: [BBB profile for Blue Mar]
• Florida Realtors association membership: verifiable through the Florida Realtors website

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Blue Mar Real Estate Group, Inc. Licensed Florida Real Estate Broker | License #CQ1018554 [Brokerage business address] [Phone number]

Equal Housing Opportunity. We are not attorneys and do not provide legal advice.

© [Year] Blue Mar Real Estate Group, Inc. All rights reserved.

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Implementation note: All specific regulatory references should be verified for current accuracy before publication. The operational attorney should review this page in particular. Specific license information (CQ number for the brokerage, BK number for Marie's individual broker license) should be verified and inserted as actual values.