{
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    },
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    "last_name": "Romero",
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      {
        "name": "Jennifer Romero",
        "name_with_middle_initial": "Jennifer R. Romero",
        "first_name": "Jennifer",
        "middle_initial": "R",
        "last_name": "Romero",
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        ],
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      "verified_at": "2026-10-26"
    },
    "bio": null,
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      "verified_at": "2026-10-26"
    },
    "languages": {
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    },
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      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
      "verified_at": "2026-10-26"
    },
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    "claimed_at": null,
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      "lender_slug": "crosscountry-mortgage-3029",
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      "branch_zip": "95336",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
      "verified_at": "2026-10-26"
    },
    "employment_history": [
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        "lender_slug": "crosscountry-mortgage-3029",
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        "branch_zip": "95336",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
        "verified_at": "2026-10-26"
      }
    ],
    "licenses": [
      {
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        "license_type": "state_license",
        "license_number": "CA-DFPI187744",
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        "source": "state_regulator",
        "source_url": "https://dfpi.ca.gov/",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dfpi",
        "regulator_name": "California Department of Financial Protection and Innovation"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.07,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "refinance",
        "label": "Refinance",
        "evidence": "lender_page_text",
        "confidence": 0.07,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [
      {
        "slug": "condo",
        "label": "Condo",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "condo-non-warrantable",
        "label": "Non-warrantable condo",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "construction",
        "label": "Construction loan",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "dscr",
        "label": "DSCR loan",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "heloc",
        "label": "HELOC",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "physician",
        "label": "Physician and medical professional",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "rural",
        "label": "Rural property",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      }
    ],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "15",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
        "verified_at": "2026-10-26"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 20:07:49.913156+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/jennifer-romero-187744#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
      "verified_at": "2026-10-26"
    },
    "earliest_license_record": {
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      "state": "CA"
    },
    "licensed_since": {
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      "state": "CA"
    },
    "federal_registration": null
  }
}