{ "canonical_url": "https://lendb.ai/lang/ne/virginia", "summary": "As of 2026-10-26, LenDb lists 7 loan officers licensed in or based in Virginia whose lender pages say they speak Nepali. The top-ranked are Ramesh Bohara (Loan Factory), Sobe Dhital (Loan Factory) and Lekh Sharma (Guild Mortgage, High Point). Ranking is lender-neutral: a license in VA, branch location, experience and profile completeness. Nobody pays for placement. Languages come only from loan officers' own lender pages, and most lender pages do not list languages. A loan officer missing from this list may still speak it: not listed means not stated, not that they do not speak it.", "language": "ne", "state": "VA", "total": 7, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 23.5, "loan_officer": { "nmls_id": 2353816, "slug": "ramesh-bohara-2353816", "full_name": "Ramesh Bohara", "licensed_names": [ { "name": "Ramesh Bohara", "name_with_middle_initial": "Ramesh P. Bohara", "first_name": "Ramesh", "middle_initial": "P", "last_name": "Bohara", "states": [ "FL", "MD", "OR", "PA", "TX" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/ramesh-bohara-2353816", "json_url": "https://lendb.ai/lo/ramesh-bohara-2353816.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "headshot_url": "https://lh3.googleusercontent.com/RJyz22cZtZuv-z0zPiKhfx1_F1BeDShheAX1GOiXedndqf-pBJWvhmunluh3R3YM_dTJrvDeZSU7AhtZVGhJUUULn1WWwhPRduM", "licensed_states": [ "FL", "PA", "MD", "NH", "OR", "TX", "VA", "WA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "hi", "ne" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2023-07-19", "state": "TX" }, "licensed_since": { "year": 2023, "state": "TX" }, "years_experience": null, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/ramesh-bohara-2353816", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Nepali (lender page, verified 2026-10-09)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: July 19, 2023 (Texas), per state regulator" ], "canonical_url": "https://lendb.ai/lo/ramesh-bohara-2353816", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/ramesh-bohara-2353816" } }, { "rank": 2, "score": 23.5, "loan_officer": { "nmls_id": 2389496, "slug": "sobe-dhital-2389496", "full_name": "Sobe Dhital", "canonical_url": "https://lendb.ai/lo/sobe-dhital-2389496", "json_url": "https://lendb.ai/lo/sobe-dhital-2389496.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "headshot_url": "https://lh3.googleusercontent.com/TFzYDIxbJ3fOCDgNhW42GvdfP1PYq1ru2tLXuQUKwJTU6nKNtRfa3Kv5MQQkfdcXIIXdvsopWAnHW7jSYHpnDvoCtahfWeBqKLY", "licensed_states": [ "CA", "MD", "PA", "TX", "VA", "WA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "hi", "ne", "pa" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2023-03-07", "state": "CA" }, "licensed_since": { "year": 2023, "state": "CA" }, "years_experience": null, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/sobe-dhital-2389496", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Nepali (lender page, verified 2026-10-09)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: March 7, 2023 (California), per state regulator" ], "canonical_url": "https://lendb.ai/lo/sobe-dhital-2389496", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/sobe-dhital-2389496" } }, { "rank": 3, "score": 23.3, "loan_officer": { "nmls_id": 2503420, "slug": "lekh-sharma-2503420", "full_name": "Lekh Sharma", "canonical_url": "https://lendb.ai/lo/lekh-sharma-2503420", "json_url": "https://lendb.ai/lo/lekh-sharma-2503420.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "slug": "guild-mortgage-3274", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "High Point", "state": "NC" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/chlsha-lekh-sharma.jpg", "licensed_states": [ "TX", "GA", "NC", "VA" ], "licenses": [ { "state": "GA", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "hi", "ne", "ur" ], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2026-05-27", "state": "TX" }, "licensed_since": { "year": 2026, "state": "TX" }, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/nc/highpoint/lekh-sharma-645-chlsha.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Nepali (lender page, verified 2026-10-26)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: May 27, 2026 (Texas), per state regulator" ], "canonical_url": "https://lendb.ai/lo/lekh-sharma-2503420", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-26", "source_url": "https://branches.guildmortgage.com/nc/highpoint/lekh-sharma-645-chlsha.html" } }, { "rank": 4, "score": 22.3, "loan_officer": { "nmls_id": 2416598, "slug": "sudarshan-oli-2416598", "full_name": "Sudarshan Oli", "canonical_url": "https://lendb.ai/lo/sudarshan-oli-2416598", "json_url": "https://lendb.ai/lo/sudarshan-oli-2416598.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "headshot_url": "https://lh3.googleusercontent.com/ewXPMSiUz0gnfQZMe_AbiGcD64yp-wXvPSN9iJJbdoYSYw5_x8uaAWPKtNSnwXGpm80UWCbbg2OsGF3LTX57ZUDhnSd9lEZW1RdevQ", "licensed_states": [ "CA", "OH", "TX", "VA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "hi", "ne", "ur" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2024-05-14", "state": "CA" }, "licensed_since": { "year": 2024, "state": "CA" }, "years_experience": null, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/sudarshan-oli-2416598", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Nepali (lender page, verified 2026-10-09)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: May 14, 2024 (California), per state regulator" ], "canonical_url": "https://lendb.ai/lo/sudarshan-oli-2416598", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/sudarshan-oli-2416598" } }, { "rank": 5, "score": 22.3, "loan_officer": { "nmls_id": 2528620, "slug": "prashanna-sangroula-2528620", "full_name": "Prashanna Sangroula", "canonical_url": "https://lendb.ai/lo/prashanna-sangroula-2528620", "json_url": "https://lendb.ai/lo/prashanna-sangroula-2528620.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "headshot_url": "https://lh3.googleusercontent.com/zz7dHeKuU5r1paKPLWpvBCxIbE7s2WVV2aS0EJoY4oKtWT9OOMkYLIT35Fz1idNiWBU3jRaXqs27x5WMEfXiGojDYYk2A58H9Jk", "licensed_states": [ "FL", "PA", "DC", "GA", "IN", "MA", "MD", "NC", "NH", "OH", "VA", "WA" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "hi", "ne", "ur" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2024-09-18", "state": "FL" }, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/prashanna-sangroula-2528620", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Nepali (lender page, verified 2026-10-09)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: September 18, 2024 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/prashanna-sangroula-2528620", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/prashanna-sangroula-2528620" } }, { "rank": 6, "score": 21.3, "loan_officer": { "nmls_id": 2005851, "slug": "dinesh-khatiwoda-2005851", "full_name": "Dinesh Khatiwoda", "canonical_url": "https://lendb.ai/lo/dinesh-khatiwoda-2005851", "json_url": "https://lendb.ai/lo/dinesh-khatiwoda-2005851.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "headshot_url": "https://lh3.googleusercontent.com/_QmWsasu6ehh8dAOdjxB9DUbDtYjTac9nWDMkK345YJlxB-WInGbw3unCNpMZ6Yf_ZcfgH0ilfo7V_SQ-BgLa3yIa2ZRCH0t3PY", "licensed_states": [ "KY", "MD", "OH", "VA" ], "licenses": [ { "state": "KY", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "ne" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/dinesh-khatiwoda-2005851", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Nepali (lender page, verified 2026-10-09)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/dinesh-khatiwoda-2005851", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/dinesh-khatiwoda-2005851" } }, { "rank": 7, "score": 21.3, "loan_officer": { "nmls_id": 2533208, "slug": "himal-budhathoki-2533208", "full_name": "Himal Budhathoki", "canonical_url": "https://lendb.ai/lo/himal-budhathoki-2533208", "json_url": "https://lendb.ai/lo/himal-budhathoki-2533208.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "headshot_url": "https://lh3.googleusercontent.com/0rWEKKUah09_OTBXxG4_GD_rhZ77zjogtcnV9SFEZJJvQZmgUEjsiUQQYMdnR5xqYp2mKvEtBM-MIIFAoItAbJjcSj-uNqUDHoQ9", "licensed_states": [ "NJ", "VA" ], "licenses": [ { "state": "NJ", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "bn", "en", "hi", "ne" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/himal-budhathoki-2533208", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Nepali (lender page, verified 2026-10-09)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/himal-budhathoki-2533208", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/himal-budhathoki-2533208" } } ] }