{
  "canonical_url": "https://lendb.ai/lo/nadia-najera-495979",
  "loan_officer": {
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    "slug": "nadia-najera-495979",
    "canonical_url": "https://lendb.ai/lo/nadia-najera-495979",
    "md_url": "https://lendb.ai/lo/nadia-najera-495979.md",
    "json_url": "https://lendb.ai/lo/nadia-najera-495979.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/495979",
    "full_name": {
      "value": "Nadia Najera",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/texas/edinburg/nadia-najera",
      "verified_at": "2026-10-10"
    },
    "first_name": "Nadia",
    "last_name": "Najera",
    "headshot_url": null,
    "bio": {
      "value": "Nadia Najera is fluent in Spanish and has over 20 years of mortgage industry experience, serving RGV residents in the home loan process.",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/texas/edinburg/nadia-najera",
      "verified_at": "2026-10-10"
    },
    "title": {
      "value": "Sr. Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/texas/edinburg/nadia-najera",
      "verified_at": "2026-10-10"
    },
    "languages": {
      "value": [
        "es"
      ],
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/texas/edinburg/nadia-najera",
      "verified_at": "2026-10-10"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 20,
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/texas/edinburg/nadia-najera",
      "verified_at": "2026-10-10"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
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      "lender_name": "Lower",
      "lender_slug": "lower-1124061",
      "branch_city": "Edinburg",
      "branch_state": "TX",
      "branch_zip": "78539",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.lower.com/loan-officers/texas/edinburg/nadia-najera",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/texas/edinburg/nadia-najera",
      "verified_at": "2026-10-10"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "lender_slug": "lower-1124061",
        "branch_city": "Edinburg",
        "branch_state": "TX",
        "branch_zip": "78539",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.lower.com/loan-officers/texas/edinburg/nadia-najera",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/texas/edinburg/nadia-najera",
        "verified_at": "2026-10-10"
      }
    ],
    "licenses": [
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2023-07-06",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "lender_offers": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "heloc",
        "label": "HELOC",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "vacation-home",
        "label": "Vacation home",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      }
    ],
    "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": "20",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/texas/edinburg/nadia-najera",
        "verified_at": "2026-10-10"
      },
      {
        "kind": "education",
        "value": "Bachelor of Arts in International Relations, George Washington University",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/texas/edinburg/nadia-najera",
        "verified_at": "2026-10-10"
      },
      {
        "kind": "credential",
        "value": "Real estate license (in addition to lending license)",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/texas/edinburg/nadia-najera",
        "verified_at": "2026-10-10"
      },
      {
        "kind": "service_area",
        "value": "RGV",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/texas/edinburg/nadia-najera",
        "verified_at": "2026-10-10"
      }
    ],
    "last_verified_at": "2026-10-13",
    "updated_at": "2026-10-13 15:28:16.208057+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/nadia-najera-495979#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://www.lower.com/loan-officers/texas/edinburg/nadia-najera",
      "verified_at": "2026-10-10"
    },
    "earliest_license_record": {
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      "state": "TX"
    },
    "licensed_since": {
      "year": 2023,
      "state": "TX"
    },
    "federal_registration": null
  }
}