--- canonical_url: https://lendb.ai/lo/carlos-montero-384397 json_url: https://lendb.ai/lo/carlos-montero-384397.json nmls_id: 384397 last_verified: 2026-10-15 --- # Carlos Montero Branch Manager, SVP at Lower, Fairfax, VA. NMLS ID 384397 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/384397)). **Summary:** 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 2026-10-15. ## At a glance - Earliest state license record: August 23, 2018 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Licensed in: Florida (FL, confirmed), District of Columbia (DC, lender_reported), Georgia (GA, lender_reported), Maryland (MD, lender_reported), Virginia (VA, lender_reported), West Virginia (WV, lender_reported) - 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 - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - None on file yet. ### Their lender offers (lender level: Lower's programs, not confirmed as this person's focus) - **FHA loan** (`fha`): verified 2026-10-10. Source: https://www.lower.com - **First-time buyer** (`first-time-buyer`): verified 2026-10-10. Source: https://www.lower.com - **HELOC** (`heloc`): verified 2026-10-10. Source: https://www.lower.com - **Real estate investor** (`investor`): verified 2026-10-10. Source: https://www.lower.com - **Jumbo loan** (`jumbo`): verified 2026-10-10. Source: https://www.lower.com - **Non-QM loan** (`non-qm`): verified 2026-10-10. Source: https://www.lower.com - **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-10. Source: https://www.lower.com - **USDA loan** (`usda`): verified 2026-10-10. Source: https://www.lower.com - **VA loan** (`va`): verified 2026-10-10. Source: https://www.lower.com - **Vacation home** (`vacation-home`): verified 2026-10-10. Source: https://www.lower.com ## 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. Source: LenDb summary of the lender page, verified 2026-10-10. ## Facts from the lender page and intro - years_experience: since 2004. Source: https://www.lower.com/loan-officers/virginia/fairfax/carlos-montero, verified 2026-10-10. - service_area: VA, MD and DC. Source: https://www.lower.com/loan-officers/virginia/fairfax/carlos-montero, verified 2026-10-10. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO55847 | active | confirmed | 2018-08-23 | state_regulator | 2026-10-15 | | DC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | WV | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | ## Employment history - ? to present: Lower (NMLS 1124061), Fairfax, VA. Source: https://www.lower.com/loan-officers/virginia/fairfax/carlos-montero, verified 2026-10-10. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/384397 ## Contact - linkedin_url: https://www.linkedin.com/in/carlos-montero-805b1464/ (source: lender_site, verified 2026-10-10) - View profile at Lower: https://www.lower.com/loan-officers/virginia/fairfax/carlos-montero - Office phone and Email on file: shown at https://lendb.ai/lo/carlos-montero-384397#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/384397 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - lender_site: https://www.lower.com/loan-officers/virginia/fairfax/carlos-montero - lender_site (lender programs): https://www.lower.com - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Carlos Montero (NMLS 384397), Lower. LenDb.ai, https://lendb.ai/lo/carlos-montero-384397, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._