---
canonical_url: https://lendb.ai/lo/billy-stephens-2302130
json_url: https://lendb.ai/lo/billy-stephens-2302130.json
nmls_id: 2302130
last_verified: 2026-10-09
---

# Billy Stephens

Loan Officer at First Heritage Mortgage. NMLS ID 2302130 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2302130)).

**Summary:** Billy Stephens (NMLS 2302130) is Loan Officer at First Heritage Mortgage. Lists Virginia on the lender page (not yet checked with the state regulator). Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: Virginia (VA, lender_reported)
- 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
- Profile: unclaimed
- Status: active

## Specialties


## About

Mortgage professional since January 2022 with 20 years prior experience in remodeling and construction. Built referral network through 14 years as VP at Artistic Stone Design and 6 years at plumbing/HVAC firm.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: since January 2022. Source: https://fhmtg.com/officers/billy-stephens/, verified 2026-10-09.
- role: Sales Manager and Vice President at Artistic Stone Design for 14 years. Source: https://fhmtg.com/officers/billy-stephens/, verified 2026-10-09.
- years_experience: 6 years at Thos. Somerville Company. Source: https://fhmtg.com/officers/billy-stephens/, verified 2026-10-09.
- years_experience: 20 years in remodeling and construction. Source: https://fhmtg.com/officers/billy-stephens/, verified 2026-10-09.
- years_experience: 4 years at C&F Mortgage. Source: https://fhmtg.com/officers/billy-stephens/, verified 2026-10-09.
- education: Virginia Commonwealth University, Business Management and Administration, 2003. Source: https://fhmtg.com/officers/billy-stephens/, verified 2026-10-09.
- education: Midlothian High School, 1997. Source: https://fhmtg.com/officers/billy-stephens/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: First Heritage Mortgage (NMLS 86548). Source: https://fhmtg.com/officers/billy-stephens/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2302130

## Contact

- View profile at First Heritage Mortgage: https://fhmtg.com/officers/billy-stephens/
- Office phone on file: shown at https://lendb.ai/lo/billy-stephens-2302130#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2302130
- lender_site: https://fhmtg.com/officers/billy-stephens/

Cite as: Billy Stephens (NMLS 2302130), First Heritage Mortgage. LenDb.ai, https://lendb.ai/lo/billy-stephens-2302130, last verified 2026-10-09.

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