Carolina Apaza-Pacheco
Loan Officer at First Heritage Mortgage
NMLS ID 1285973 (opens in a new tab) · verify at NMLS Consumer Access
Carolina Apaza-Pacheco (NMLS 1285973) is Loan Officer at First Heritage Mortgage. Licensed in Florida, confirmed with the state regulator (license LO88867). Also lists District of Columbia, Maryland, North Carolina, South Carolina, Virginia and West Virginia on the lender page (not yet checked with the state regulator). Speaks Spanish. Earliest state license record: June 4, 2021 (Florida), per state regulator. States 20 years of experience.
Last verified . Sources: First Heritage Mortgage (fhmtg.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: June 4, 2021 (Florida), per state regulator
- 20 years experience (stated)
- 7 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
None listed on the lender page yet.
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
- Spanish
Source: lender site (opens in a new tab), verified 2026-10-09
Licensed states
Florida, District of Columbia, Maryland, North Carolina, South Carolina, Virginia, West Virginia
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO88867, first effective 2021-06-04), verified 2026-10-09.
Lender-reported: DC, MD, NC, SC, VA, WV are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
First Heritage Mortgage NMLS 86548
Current · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Carolina is fluent in English and Spanish and has 20 years in the D.C. metro area. She holds a BA from Marymount University and previously served in the National Guard for six years.
Our summary of the lender page. Verified 2026-10-09.
- Education
- Bachelor of Business Administration degree from Marymount University
- Source (opens in a new tab), verified 2026-10-09
- Also
- Served in the National Guard for six years before mortgage career
- Source (opens in a new tab), verified 2026-10-09
Sources
| Name and employer | lender site · fhmtg.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · fhmtg.com (opens in a new tab) | verified 2026-10-09 |
| Languages | lender site · fhmtg.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · fhmtg.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · fhmtg.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · fhmtg.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Carolina Apaza-Pacheco (NMLS 1285973), First Heritage Mortgage. LenDb.ai, https://lendb.ai/lo/carolina-apaza-pacheco-1285973, last verified 2026-10-09.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.