{
  "canonical_url": "https://lendb.ai/lo/joe-guzman-285429",
  "loan_officer": {
    "nmls_id": 285429,
    "slug": "joe-guzman-285429",
    "canonical_url": "https://lendb.ai/lo/joe-guzman-285429",
    "md_url": "https://lendb.ai/lo/joe-guzman-285429.md",
    "json_url": "https://lendb.ai/lo/joe-guzman-285429.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/285429",
    "full_name": {
      "value": "Joe Guzman",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/il/lockport/16057-s-farrell-rd-hla-285429",
      "verified_at": "2026-10-09"
    },
    "first_name": "Joe",
    "last_name": "Guzman",
    "headshot_url": {
      "value": "http://a.mktgcdn.com/p/_6cwSdbsGp86ZBhefaqLBglYS5_ek47ZkcqCk_yuK-c/209x314.jpg",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/il/lockport/16057-s-farrell-rd-hla-285429",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Joe has 23 years of experience and serves clients in all 50 states, specializing in vacation home financing, FHA and VA mortgages, and condo and co-op lending.",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/il/lockport/16057-s-farrell-rd-hla-285429",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Senior Home Lending Advisor",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/il/lockport/16057-s-farrell-rd-hla-285429",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/il/lockport/16057-s-farrell-rd-hla-285429",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 399798,
      "lender_name": "JPMorgan Chase Bank (Chase Home Lending)",
      "lender_slug": "chase-399798",
      "branch_city": "Lockport",
      "branch_state": "IL",
      "branch_zip": "60441",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://homelendingadvisor.chase.com/il/lockport/16057-s-farrell-rd-hla-285429",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/il/lockport/16057-s-farrell-rd-hla-285429",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 399798,
        "lender_name": "JPMorgan Chase Bank (Chase Home Lending)",
        "lender_slug": "chase-399798",
        "branch_city": "Lockport",
        "branch_state": "IL",
        "branch_zip": "60441",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/il/lockport/16057-s-farrell-rd-hla-285429",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/il/lockport/16057-s-farrell-rd-hla-285429",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/il/lockport/16057-s-farrell-rd-hla-285429",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "co-op",
        "label": "Co-op",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/il/lockport/16057-s-farrell-rd-hla-285429",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "condo",
        "label": "Condo",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/il/lockport/16057-s-farrell-rd-hla-285429",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "vacation-home",
        "label": "Vacation home",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/il/lockport/16057-s-farrell-rd-hla-285429",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.46,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/il/lockport/16057-s-farrell-rd-hla-285429",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.43,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/il/lockport/16057-s-farrell-rd-hla-285429",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.14,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/il/lockport/16057-s-farrell-rd-hla-285429",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/il/lockport/16057-s-farrell-rd-hla-285429",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/joe-guzman-4a69781b/",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/il/lockport/16057-s-farrell-rd-hla-285429",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "all 50 states",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/il/lockport/16057-s-farrell-rd-hla-285429",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 11:52:48.802387+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/joe-guzman-285429#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://homelendingadvisor.chase.com/il/lockport/16057-s-farrell-rd-hla-285429",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}