{
  "canonical_url": "https://lendb.ai/lo/gary-forward-246757",
  "loan_officer": {
    "nmls_id": 246757,
    "slug": "gary-forward-246757",
    "canonical_url": "https://lendb.ai/lo/gary-forward-246757",
    "md_url": "https://lendb.ai/lo/gary-forward-246757.md",
    "json_url": "https://lendb.ai/lo/gary-forward-246757.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/246757",
    "full_name": {
      "value": "Gary Forward",
      "source": "lender_site",
      "source_url": "https://www.apmortgage.com/gary-forward",
      "verified_at": "2026-10-09"
    },
    "first_name": "Gary",
    "last_name": "Forward",
    "headshot_url": null,
    "bio": {
      "value": "Gary has over 27 years of experience in FHA, VA and Jumbo financing. He works with realtors, builders, CPAs, attorneys and homebuyers.",
      "source": "lender_site",
      "source_url": "https://www.apmortgage.com/gary-forward",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Advisor",
      "source": "lender_site",
      "source_url": "https://www.apmortgage.com/gary-forward",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.apmortgage.com/gary-forward",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 27,
      "source": "lender_site",
      "source_url": "https://www.apmortgage.com/gary-forward",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 1850,
      "lender_name": "American Pacific Mortgage",
      "lender_slug": "american-pacific-mortgage-1850",
      "branch_city": "Dana Point",
      "branch_state": "CA",
      "branch_zip": "92629",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.apmortgage.com/gary-forward",
      "source": "lender_site",
      "source_url": "https://www.apmortgage.com/gary-forward",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1850,
        "lender_name": "American Pacific Mortgage",
        "lender_slug": "american-pacific-mortgage-1850",
        "branch_city": "Dana Point",
        "branch_state": "CA",
        "branch_zip": "92629",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.apmortgage.com/gary-forward",
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/gary-forward",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/gary-forward",
        "verified_at": "2026-10-09"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/gary-forward",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/gary-forward",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/gary-forward",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "condo",
        "label": "Condo",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/gary-forward",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/gary-forward",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/gary-forward",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "low-credit",
        "label": "Low credit score",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/gary-forward",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "27",
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/gary-forward",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Mortgage Banker for Catalyst Lending Incorporated since 2009",
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/gary-forward",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Licensed with Department of Real Estate since 1986",
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/gary-forward",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "California State University-Northridge",
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/gary-forward",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 04:16:42.026072+00",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/gary-forward-246757#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://www.apmortgage.com/gary-forward",
      "verified_at": "2026-10-09"
    }
  }
}