{
  "canonical_url": "https://lendb.ai/lo/francoise-gonzales-314050",
  "loan_officer": {
    "nmls_id": 314050,
    "slug": "francoise-gonzales-314050",
    "canonical_url": "https://lendb.ai/lo/francoise-gonzales-314050",
    "md_url": "https://lendb.ai/lo/francoise-gonzales-314050.md",
    "json_url": "https://lendb.ai/lo/francoise-gonzales-314050.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/314050",
    "full_name": {
      "value": "Francoise Gonzales",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/virginia/fairfax/francoise-gonzales",
      "verified_at": "2026-10-10"
    },
    "first_name": "Francoise",
    "last_name": "Gonzales",
    "headshot_url": {
      "value": "https://www.lower.com/hs-fs/hubfs/airtable-imports/profile-pics/lo-francoise-gonzales.jpg?quality=80&format=webp&width=800&height=800&name=lo-francoise-gonzales.jpg",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/virginia/fairfax/francoise-gonzales",
      "verified_at": "2026-10-10"
    },
    "bio": null,
    "title": {
      "value": "Sr. Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/virginia/fairfax/francoise-gonzales",
      "verified_at": "2026-10-10"
    },
    "languages": {
      "value": [
        "es"
      ],
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/virginia/fairfax/francoise-gonzales",
      "verified_at": "2026-10-10"
    },
    "years_licensed": 1,
    "years_experience": {
      "value": 25,
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/columbia-md-2724/francoise-gonzales/",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 1124061,
      "lender_name": "Lower",
      "lender_slug": "lower-1124061",
      "branch_city": "Fairfax",
      "branch_state": "VA",
      "branch_zip": "22033",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.lower.com/loan-officers/virginia/fairfax/francoise-gonzales",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/virginia/fairfax/francoise-gonzales",
      "verified_at": "2026-10-10"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "lender_slug": "lower-1124061",
        "branch_city": "Fairfax",
        "branch_state": "VA",
        "branch_zip": "22033",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.lower.com/loan-officers/virginia/fairfax/francoise-gonzales",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/virginia/fairfax/francoise-gonzales",
        "verified_at": "2026-10-10"
      },
      {
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "lender_slug": "crosscountry-mortgage-3029",
        "branch_city": "Columbia",
        "branch_state": "MD",
        "branch_zip": "21044",
        "start_date": null,
        "end_date": "2026-10-11",
        "lender_profile_url": "https://crosscountrymortgage.com/columbia-md-2724/francoise-gonzales/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/columbia-md-2724/francoise-gonzales/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO135994",
        "status": "active",
        "issued_at": "2025-03-06",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "DC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/virginia/fairfax/francoise-gonzales",
        "verified_at": "2026-10-10",
        "confidence": "lender_reported"
      },
      {
        "state": "MD",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/virginia/fairfax/francoise-gonzales",
        "verified_at": "2026-10-10",
        "confidence": "lender_reported"
      },
      {
        "state": "VA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/virginia/fairfax/francoise-gonzales",
        "verified_at": "2026-10-10",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/columbia-md-2724/francoise-gonzales/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "25",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/columbia-md-2724/francoise-gonzales/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "years_experience",
        "value": "since 1998",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/columbia-md-2724/francoise-gonzales/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Bilingual (English and Spanish) senior loan officer",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/columbia-md-2724/francoise-gonzales/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Virginia, Maryland and Washington, DC",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/columbia-md-2724/francoise-gonzales/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "other",
        "value": "Fluent in Spanish",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/virginia/fairfax/francoise-gonzales",
        "verified_at": "2026-10-10"
      }
    ],
    "last_verified_at": "2026-10-10",
    "updated_at": "2026-10-11 01:08:41.779144+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/francoise-gonzales-314050#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/columbia-md-2724/francoise-gonzales/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2025,
      "state": "FL"
    },
    "federal_registration": null
  }
}