---
canonical_url: https://lendb.ai/lo/amy-cheng-2439313
json_url: https://lendb.ai/lo/amy-cheng-2439313.json
nmls_id: 2439313
last_verified: 2026-10-24
---

# Amy Cheng

Loan officer at InstaMortgage Inc.. NMLS ID 2439313 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2439313)).

Amy Cheng (NMLS 2439313) is a mortgage loan officer at InstaMortgage Inc., licensed in California since 2023. Amy works at an FHA-approved lender, per HUD.

**Summary:** Amy Cheng (NMLS 2439313) is a loan officer at InstaMortgage Inc.. Licensed in California, confirmed with the state regulator (license CA-DFPI2439313). Earliest state license record: June 16, 2023 (California), per state regulator. Last verified 2026-10-24.

## Quick answers

### Is Amy licensed in California?

Yes. California regulator records list license CA-DFPI2439313 as active, first effective June 16, 2023 (verified 2026-10-24). Source: https://dfpi.ca.gov/.

### What lender does Amy work for, and is it FHA-approved?

InstaMortgage Inc., company NMLS 1035734, per the lender's own site (verified 2026-10-23). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026). Source: https://dfpi.ca.gov/.

### How long has Amy been licensed?

The earliest state license record LenDb holds for Amy is from June 16, 2023 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfpi.ca.gov/.

## At a glance

- Earliest state license record: June 16, 2023 (California), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: California (CA DFPI, confirmed)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.)
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI2439313 | active | confirmed | 2023-06-16 | state_regulator | 2026-10-24 |

## Employment history

- ? to present: InstaMortgage Inc. (NMLS 1035734). Source: https://dfpi.ca.gov/, verified 2026-10-23.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2439313

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2439313
- state_regulator: https://dfpi.ca.gov/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Amy Cheng (NMLS 2439313), InstaMortgage Inc.. LenDb.ai, https://lendb.ai/lo/amy-cheng-2439313, last verified 2026-10-24.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._