---
canonical_url: https://lendb.ai/lo/edgar-morales-309557
json_url: https://lendb.ai/lo/edgar-morales-309557.json
nmls_id: 309557
last_verified: 2026-10-15
---

# Emilio Morales

Division Manager at Cornerstone First Mortgage, Covina, CA. NMLS ID 309557 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/309557)).

**Summary:** Emilio Morales (NMLS 309557) is Division Manager at Cornerstone First Mortgage, based in Covina, CA. Licensed in 2 states confirmed with state regulators: Florida and Texas. Cornerstone First Mortgage also offers FHA loan, First-time buyer, HELOC, Real estate investor and Jumbo loan and 7 more (a lender program, not confirmed as their own focus). Earliest state license record: March 24, 2026 (Texas), per state regulator. States 32 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: March 24, 2026 (Texas), 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): 32 (source: https://encompasslending.com/emorales/, verified 2026-10-15)
- Licensed in: Florida (FL, confirmed), Texas (TX, 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: Cornerstone First Mortgage's programs, not confirmed as this person's focus)

- **FHA loan** (`fha`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **First-time buyer** (`first-time-buyer`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **HELOC** (`heloc`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **Real estate investor** (`investor`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **Jumbo loan** (`jumbo`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **Low credit score** (`low-credit`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **New construction** (`new-construction`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **Reverse mortgage** (`reverse`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **Self-employed** (`self-employed`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **USDA loan** (`usda`): verified 2026-10-15. Source: https://www.cornerstonefirst.com
- **VA loan** (`va`): verified 2026-10-15. Source: https://www.cornerstonefirst.com

## About

Emilio Morales has over 32 years in the mortgage and real estate industry and previously served as a Regional Vice President. Their personal mission is helping Hispanic families achieve homeownership.

Source: LenDb summary of the lender page, verified 2026-10-15.

## Facts from the lender page and intro

- years_experience: 32. Source: https://encompasslending.com/emorales/, verified 2026-10-15.
- role: Regional Vice President (previously). Source: https://encompasslending.com/emorales/, verified 2026-10-15.
- community: Mission to help Hispanic families achieve homeownership and financial stability. Source: https://encompasslending.com/emorales/, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO148056 | active | confirmed | 2026-05-26 | state_regulator | 2026-10-15 |
| TX | state_license | n/a | active | confirmed | 2026-03-24 | state_regulator | 2026-10-13 |

## Employment history

- ? to present: Cornerstone First Mortgage (NMLS 292897), Covina, CA. Source: https://encompasslending.com/emorales/, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/309557

## Contact

- View profile at Cornerstone First Mortgage: https://encompasslending.com/emorales/
- Office phone and Email on file: shown at https://lendb.ai/lo/edgar-morales-309557#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/309557
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://encompasslending.com/emorales/
- lender_site (lender programs): https://www.cornerstonefirst.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Emilio Morales (NMLS 309557), Cornerstone First Mortgage. LenDb.ai, https://lendb.ai/lo/edgar-morales-309557, last verified 2026-10-15.

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