---
canonical_url: https://lendb.ai/lo/francoise-gonzales-314050
json_url: https://lendb.ai/lo/francoise-gonzales-314050.json
nmls_id: 314050
last_verified: 2026-10-10
---

# Francoise Gonzales

Sr. Loan Officer at Lower, Fairfax, VA. NMLS ID 314050 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/314050)).

**Summary:** Francoise Gonzales (NMLS 314050) is Sr. Loan Officer at Lower, based in Fairfax, VA. Licensed in Florida, confirmed with the state regulator (license LO135994). Also lists District of Columbia, Maryland and Virginia on the lender page (not yet checked with the state regulator). Speaks Spanish. Earliest state license record: March 6, 2025 (Florida), per state regulator. States 25 years of experience. Last verified 2026-10-10.

## At a glance

- Earliest state license record: March 6, 2025 (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): 25 (source: https://crosscountrymortgage.com/columbia-md-2724/francoise-gonzales/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), District of Columbia (DC, lender_reported), Maryland (MD, lender_reported), Virginia (VA, lender_reported)
- 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: Spanish
- Profile: unclaimed
- Status: active

## Specialties


## Facts from the lender page and intro

- years_experience: 25. Source: https://crosscountrymortgage.com/columbia-md-2724/francoise-gonzales/, verified 2026-10-09.
- years_experience: since 1998. Source: https://crosscountrymortgage.com/columbia-md-2724/francoise-gonzales/, verified 2026-10-09.
- credential: Bilingual (English and Spanish) senior loan officer. Source: https://crosscountrymortgage.com/columbia-md-2724/francoise-gonzales/, verified 2026-10-09.
- service_area: Virginia, Maryland and Washington, DC. Source: https://crosscountrymortgage.com/columbia-md-2724/francoise-gonzales/, verified 2026-10-09.
- other: Fluent in Spanish. Source: https://www.lower.com/loan-officers/virginia/fairfax/francoise-gonzales, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO135994 | active | confirmed | 2025-03-06 | state_regulator | 2026-10-09 |
| DC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Fairfax, VA. Source: https://www.lower.com/loan-officers/virginia/fairfax/francoise-gonzales, verified 2026-10-10.
- ? to 2026-10-11: CrossCountry Mortgage (NMLS 3029), Columbia, MD. Source: https://crosscountrymortgage.com/columbia-md-2724/francoise-gonzales/, 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/314050

## Contact

- View profile at Lower: https://www.lower.com/loan-officers/virginia/fairfax/francoise-gonzales
- Office phone and Email on file: shown at https://lendb.ai/lo/francoise-gonzales-314050#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/314050
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/virginia/fairfax/francoise-gonzales
- lender_site: https://crosscountrymortgage.com/columbia-md-2724/francoise-gonzales/

Cite as: Francoise Gonzales (NMLS 314050), Lower. LenDb.ai, https://lendb.ai/lo/francoise-gonzales-314050, last verified 2026-10-10.

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