Carlos Montero
Branch Manager, SVP at Lower · Fairfax, VA
NMLS ID 384397 (opens in a new tab) · verify at NMLS Consumer Access
Carlos Montero (NMLS 384397) is Branch Manager, SVP at Lower, based in Fairfax, VA. Licensed in Florida, confirmed with the state regulator (license LO55847). Also lists District of Columbia, Georgia, Maryland, Virginia and West Virginia on the lender page (not yet checked with the state regulator). Lower also offers FHA loan, First-time buyer, HELOC, Real estate investor and Jumbo loan and 5 more (a lender program, not confirmed as their own focus). Earliest state license record: August 23, 2018 (Florida), per state regulator.
Last verified . Sources: Lower (lower.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: August 23, 2018 (Florida), per state regulator
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 6 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
No focus listed on their lender page yet.
Their lender offers
FHA loan, First-time buyer, HELOC, Real estate investor, Jumbo loan, Non-QM loan, Renovation loan (203k / HomeStyle), USDA loan, VA loan and Vacation home. Programs Lower offers (verified 2026-10-10). Lender-level: not confirmed as Carlos's own focus, so ask.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
Florida, District of Columbia, Georgia, Maryland, Virginia, West Virginia
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO55847, first effective 2018-08-23), verified 2026-10-15.
Lender-reported: DC, GA, MD, VA, WV are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Lower NMLS 1124061
Current · Fairfax, VA · seen on lender site 2026-10-10
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Carlos Montero has helped families since 2004 and is described as one of the top originating loan officers in the country. They work with Realtors in Virginia, Maryland and DC.
Our summary of the lender page. Verified 2026-10-10.
Sources
| Name and employer | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-15 |
| Licensed states | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Lender programs | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Summary | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Contact | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Photo | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Carlos Montero (NMLS 384397), Lower. LenDb.ai, https://lendb.ai/lo/carlos-montero-384397, last verified 2026-10-15.
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