---
canonical_url: https://lendb.ai/lo/christine-o-reilly-145242
json_url: https://lendb.ai/lo/christine-o-reilly-145242.json
nmls_id: 145242
last_verified: 2026-10-09
---

# Christine O'Reilly

Loan Officer at Empire Home Loans, Fair Oaks, CA. NMLS ID 145242 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/145242)).

**Summary:** Christine O'Reilly (NMLS 145242) is Loan Officer at Empire Home Loans, based in Fair Oaks, CA. Licensed in Florida, confirmed with the state regulator (license LO62705). Focus areas shown on the lender page: FHA loan and VA loan. Earliest state license record: July 16, 2019 (Florida), per state regulator. States 37 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: July 16, 2019 (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): 37 (source: https://www.empirehomeloans.com/team/coreilly, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed)
- 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

- **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/coreilly
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/coreilly

## About

Christine has 37 years of mortgage experience specializing in FHA, VA, conventional loans, refinances, and purchases. She focuses on education, transparency, and long-term financial success for each client.

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

## Facts from the lender page and intro

- years_experience: 37. Source: https://www.empirehomeloans.com/team/coreilly, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO62705 | active | confirmed | 2019-07-16 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Empire Home Loans (NMLS 1839243), Fair Oaks, CA. Source: https://www.empirehomeloans.com/team/coreilly, 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/145242

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/coreilly
- Office phone and Email on file: shown at https://lendb.ai/lo/christine-o-reilly-145242#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/145242
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.empirehomeloans.com/team/coreilly

Cite as: Christine O'Reilly (NMLS 145242), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/christine-o-reilly-145242, last verified 2026-10-09.

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