---
canonical_url: https://lendb.ai/lo/catherine-sabater-373470
json_url: https://lendb.ai/lo/catherine-sabater-373470.json
nmls_id: 373470
last_verified: 2026-10-09
---

# Cathy Sabater

Loan Officer at Empire Home Loans. NMLS ID 373470 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/373470)).

**Summary:** Cathy Sabater (NMLS 373470) is Loan Officer at Empire Home Loans. Licensed in Florida, confirmed with the state regulator (license LO136388). Also lists California, Georgia, Nevada and Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer, Self-employed and VA loan. Earliest state license record: March 20, 2025 (Florida), per state regulator. States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: March 20, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 20 (source: https://www.empirehomeloans.com/team/cathys, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), California (CA, lender_reported), Georgia (GA, lender_reported), Nevada (NV, lender_reported), Texas (TX, 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/cathys
- **Self-employed** (`self-employed`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/cathys
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/cathys

## About

Cathy Sabater is a Mortgage Strategist and Navy Veteran with 20+ years of mortgage lending experience. She specializes in working with first-time and move-up buyers, Veterans, self-employed borrowers, and homeowners considering refinance or equity strategies, with a focus on data-driven financial analysis.

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

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.empirehomeloans.com/team/cathys, verified 2026-10-09.
- service_area: San Diego, California. Source: https://www.empirehomeloans.com/team/cathys, verified 2026-10-09.
- community: H.E.R.O. mission — Help Each Renter Own — focuses on providing families with education and tools for homeownership. Source: https://www.empirehomeloans.com/team/cathys, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO136388 | active | confirmed | 2025-03-20 | state_regulator | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NV | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Empire Home Loans (NMLS 1839243). Source: https://www.empirehomeloans.com/team/cathys, 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/373470

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/cathys
- Office phone and Email on file: shown at https://lendb.ai/lo/catherine-sabater-373470#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/373470
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.empirehomeloans.com/team/cathys

Cite as: Cathy Sabater (NMLS 373470), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/catherine-sabater-373470, last verified 2026-10-09.

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