---
canonical_url: https://lendb.ai/lo/christian-velasquez-388458
json_url: https://lendb.ai/lo/christian-velasquez-388458.json
nmls_id: 388458
last_verified: 2026-10-15
---

# Chris Velasquez

Branch Manager at Lower, Orlando, FL. NMLS ID 388458 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/388458)).

**Summary:** Chris Velasquez (NMLS 388458) is Branch Manager at Lower, based in Orlando, FL. Licensed in Florida, confirmed with the state regulator (license LO31561). Also lists Georgia and Tennessee on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. Lower also offers FHA loan, HELOC, Real estate investor, Jumbo loan and Non-QM loan and 4 more (a lender program, not confirmed as their own focus). Earliest state license record: September 10, 2015 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: September 10, 2015 (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), Georgia (GA, lender_reported), Tennessee (TN, 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)

- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.50, verified 2026-10-10. Source: https://www.lower.com/loan-officers/florida/orlando/chris-velasquez

### 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
- **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

Chris has decades of mortgage and real estate industry experience and says their biggest thrill is helping first-time homebuyers. Licensed in GA, TN, and FL.

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

## Video intro available

Chris has a short recorded video intro on Lower's site.

Watch on Lower's site: https://www.lower.com/loan-officers/florida/orlando/chris-velasquez

The recording is hosted by the lender; LenDb does not copy or transcribe it. Verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO31561 | active | confirmed | 2015-09-10 | state_regulator | 2026-10-15 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Orlando, FL. Source: https://www.lower.com/loan-officers/florida/orlando/chris-velasquez, 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/388458

## Contact

- linkedin_url: https://www.linkedin.com/in/christian-velasquez-75a10412a (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/florida/orlando/chris-velasquez
- Office phone and Email on file: shown at https://lendb.ai/lo/christian-velasquez-388458#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/388458
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/florida/orlando/chris-velasquez
- lender_site (lender programs): https://www.lower.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Chris Velasquez (NMLS 388458), Lower. LenDb.ai, https://lendb.ai/lo/christian-velasquez-388458, last verified 2026-10-15.

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