---
canonical_url: https://lendb.ai/lo/christina-klingman-2259242
json_url: https://lendb.ai/lo/christina-klingman-2259242.json
nmls_id: 2259242
last_verified: 2026-10-15
---

# Christina Klingman

Sr. Loan Officer at Lower, Bonita Springs, FL. NMLS ID 2259242 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2259242)).

**Summary:** Christina Klingman (NMLS 2259242) is Sr. Loan Officer at Lower, based in Bonita Springs, FL. Licensed in Florida, confirmed with the state regulator (license LO111762). 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 9, 2022 (Florida), per state regulator. States 3 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: August 9, 2022 (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): 3 (source: https://www.lower.com/loan-officers/florida/bonita-springs/christina-klingman, verified 2026-10-10)
- Licensed in: Florida (FL, confirmed)
- 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

Christina reports over 3 years as a mortgage loan originator and aims to make the home buying process as seamless as possible for clients.

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

## Facts from the lender page and intro

- years_experience: 3. Source: https://www.lower.com/loan-officers/florida/bonita-springs/christina-klingman, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO111762 | active | confirmed | 2022-08-09 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Lower (NMLS 1124061), Bonita Springs, FL. Source: https://www.lower.com/loan-officers/florida/bonita-springs/christina-klingman, 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/2259242

## Contact

- View profile at Lower: https://www.lower.com/loan-officers/florida/bonita-springs/christina-klingman
- Office phone and Email on file: shown at https://lendb.ai/lo/christina-klingman-2259242#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2259242
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/florida/bonita-springs/christina-klingman
- lender_site (lender programs): https://www.lower.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Christina Klingman (NMLS 2259242), Lower. LenDb.ai, https://lendb.ai/lo/christina-klingman-2259242, last verified 2026-10-15.

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