Which of the following must be included on all advertisements used by a mortgage loan originator?

The inclusion of a toll-free number for interested customers in advertisements used by a mortgage loan originator is essential because it facilitates accessibility and communication. This requirement aligns with industry best practices and regulations aimed at ensuring that potential borrowers can easily reach out for more information. By providing a toll-free number, mortgage loan originators increase trust and transparency, making it more convenient for clients to inquire about loan products or services.

This element is particularly significant in advertisements, where the primary goal is to attract the attention of prospective clients and provide them with an easy way to initiate contact. Including such information can enhance the overall effectiveness of marketing efforts and comply with legal standards governing advertising in the mortgage industry.

While photos, commission rates, and social media links can be useful in certain contexts, they are not universally mandated in all advertisements for mortgage loan originators like a toll-free number. Thus, including a toll-free number serves the primary purpose of ensuring prospective clients can engage easily with the loan originator.