{
  "canonical_url": "https://lendb.ai/lo/cherise-barnett-1441398",
  "lede": {
    "text": "Cherise Barnett (NMLS 1441398) is a mortgage loan officer at Lifetime Home Loans, LLC, licensed in Colorado since 2026 and in Florida.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "licenses",
      "earliest_license_record"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Cherise licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO147227 as active, first effective April 27, 2026 (verified 2026-10-15). LenDb has 1 other state on file for Cherise.",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What lender does Cherise work for?",
      "a": "Lifetime Home Loans, LLC, company NMLS 1861406, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://lifetimehomeloans.com/project/cherise-barnett/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Cherise been licensed?",
      "a": "The earliest state license record LenDb holds for Cherise is from March 23, 2026 (Colorado regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Cherise states 16 years of experience.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "Colorado state regulator",
      "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=308884&contact=537032",
      "verified_at": "2026-10-16"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "loan_officer": {
    "nmls_id": 1441398,
    "slug": "cherise-barnett-1441398",
    "canonical_url": "https://lendb.ai/lo/cherise-barnett-1441398",
    "md_url": "https://lendb.ai/lo/cherise-barnett-1441398.md",
    "json_url": "https://lendb.ai/lo/cherise-barnett-1441398.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1441398",
    "full_name": {
      "value": "Cherise Barnett",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/cherise-barnett/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Cherise",
    "last_name": "Barnett",
    "licensed_names": [
      {
        "name": "Cherise Barnett",
        "name_with_middle_initial": "Cherise G. Barnett",
        "first_name": "Cherise",
        "middle_initial": "G",
        "last_name": "Barnett",
        "states": [
          "CO",
          "FL"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-09"
      }
    ],
    "headshot_url": {
      "value": "https://lifetimehomeloans.com/wp-content/uploads/2024/12/Cherise-Barnett.png",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/cherise-barnett/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Cherise Barnett is a Processing Manager and Loan Originator with 16 years of experience helping clients through the mortgage process. Their page mentions work with first-time homebuyers and complex transactions.",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/cherise-barnett/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Processing Manager/Loan Originator",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/cherise-barnett/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/cherise-barnett/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 16,
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/cherise-barnett/",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 1861406,
      "lender_name": "Lifetime Home Loans, LLC",
      "lender_slug": "lifetime-home-loans-llc-1861406",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://lifetimehomeloans.com/project/cherise-barnett/",
      "lender_type": "other",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/cherise-barnett/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1861406,
        "lender_name": "Lifetime Home Loans, LLC",
        "lender_slug": "lifetime-home-loans-llc-1861406",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://lifetimehomeloans.com/project/cherise-barnett/",
        "lender_type": "other",
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/cherise-barnett/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO147227",
        "status": "active",
        "issued_at": "2026-04-27",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": "100544880",
        "status": "active",
        "issued_at": "2026-03-23",
        "source": "state_regulator",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=308884&contact=537032",
        "verified_at": "2026-10-16",
        "confidence": "confirmed",
        "regulator": "co"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "16",
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/cherise-barnett/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-21 17:43:54.980157+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/cherise-barnett-1441398#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/cherise-barnett/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2026-03-23",
      "state": "CO"
    },
    "licensed_since": {
      "year": 2026,
      "state": "CO"
    },
    "federal_registration": null
  }
}