---
canonical_url: https://lendb.ai/lo/christopher-scartz-813662
json_url: https://lendb.ai/lo/christopher-scartz-813662.json
nmls_id: 813662
last_verified: 2026-10-28
---

# Christopher Scartz

Loan officer at SayGo Home Loans, LLC. NMLS ID 813662 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/813662)).

Christopher Scartz (NMLS 813662) is a mortgage loan officer at SayGo Home Loans, LLC, licensed in California since 2016 and in Florida, Oregon, Massachusetts and Illinois. Christopher works at an FHA-approved lender, per HUD.

**Summary:** Christopher Scartz (NMLS 813662) is a loan officer at SayGo Home Loans, LLC. Licensed in 5 states confirmed with state regulators: Florida, Oregon, California, Massachusetts and Illinois. Earliest state license record: January 13, 2016 (California), per state regulator. Last verified 2026-10-28.

## Quick answers

### Is Christopher licensed in Florida?

Yes. Florida regulator records list license LO33458 as active, first effective January 19, 2016 (verified 2026-10-15). LenDb has 4 other states on file for Christopher. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip.

### What lender does Christopher work for, and is it FHA-approved?

SayGo Home Loans, LLC, company NMLS 2525432, per the lender's own site (verified 2026-10-23). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026). Source: https://dfpi.ca.gov/.

### How long has Christopher been licensed?

The earliest state license record LenDb holds for Christopher is from January 13, 2016 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfpi.ca.gov/.

## At a glance

- Earliest state license record: January 13, 2016 (California), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Christopher J. Scartz (CA, FL, MA, NV, NY, OR, WY, as of 2026-10-28)
- Licensed in: Florida (FL, confirmed), Oregon (OR, confirmed), California (CA DFPI, confirmed), Massachusetts (MA, confirmed), Illinois (IL, 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 (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.)
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO33458 | active | confirmed | 2016-01-19 | state_regulator | 2026-10-15 |
| NY | New York regulator | state_license | n/a | expired | confirmed |  | state_regulator | 2026-10-14 |
| OR | Oregon regulator | state_license | n/a | active | confirmed | 2025-07-01 | state_regulator | 2026-10-20 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DBO813662 | active | confirmed | 2016-01-13 | state_regulator | 2026-10-24 |
| MA | Massachusetts regulator | state_license | MLO813662 | active | confirmed |  | state_regulator | 2026-10-26 |
| WY | Wyoming regulator | state_license | 813662 | inactive | confirmed | 2026-10-15 | state_regulator | 2026-10-27 |
| IL | Illinois regulator | state_license | 31.0085617 | active | confirmed | 2024-06-14 | state_regulator | 2026-10-28 |
| NV | Nevada regulator | state_license | NMLO-128547 | inactive | confirmed | 2025-06-20 | state_regulator | 2026-10-31 |

## Employment history

- ? to present: SayGo Home Loans, LLC (NMLS 2525432). Source: https://dfpi.ca.gov/, verified 2026-10-23.
- ? to present: Guaranteed Rate (Rate) (NMLS 2611). Source: https://dfr.oregon.gov/, verified 2026-10-20.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/813662

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/813662
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- state_regulator: https://www.dfs.ny.gov/
- state_regulator: https://dfr.oregon.gov/
- state_regulator: https://dfpi.ca.gov/
- state_regulator: https://www.mass.gov/lists/download-a-list-of-approved-licensees
- state_regulator: https://wyomingbankingdivision.wyo.gov/
- state_regulator: https://idfpr.illinois.gov/banks/resfin.html
- state_regulator: https://mld.nv.gov/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Christopher Scartz (NMLS 813662), SayGo Home Loans, LLC. LenDb.ai, https://lendb.ai/lo/christopher-scartz-813662, last verified 2026-10-28.

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