---
canonical_url: https://lendb.ai/lo/james-f-gaudiosi-474088
json_url: https://lendb.ai/lo/james-f-gaudiosi-474088.json
nmls_id: 474088
last_verified: 2026-10-09
---

# James F. Gaudiosi

SVP | Sales Manager, Sr. Loan Officer at Atlantic Coast Mortgage, Fairfax, VA. NMLS ID 474088 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/474088)).

**Summary:** James F. Gaudiosi (NMLS 474088) is SVP | Sales Manager, Sr. Loan Officer at Atlantic Coast Mortgage, based in Fairfax, VA. Lists District of Columbia, Maryland and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Construction loan, FHA loan, Renovation loan (203k / HomeStyle) and VA loan. States 23 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 23 (source: https://www.atlanticcoastmortgage.com/lo/james-gaudiosi/, verified 2026-10-09)
- Licensed in: 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: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **Construction loan** (`construction`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.atlanticcoastmortgage.com/lo/james-gaudiosi/
- **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.atlanticcoastmortgage.com/lo/james-gaudiosi/
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.atlanticcoastmortgage.com/lo/james-gaudiosi/
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.atlanticcoastmortgage.com/lo/james-gaudiosi/

## About

James brings over 23 years of mortgage origination experience in the DC Metro Area. His expertise covers conventional, FHA, 203k, VA, VHDA, construction-to-permanent, and creative financing.

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

## Facts from the lender page and intro

- years_experience: 23. Source: https://www.atlanticcoastmortgage.com/lo/james-gaudiosi/, verified 2026-10-09.
- service_area: DC Metro Area. Source: https://www.atlanticcoastmortgage.com/lo/james-gaudiosi/, verified 2026-10-09.
- credential: Scotsman Guide Top Originators 2021-2025. Source: https://www.atlanticcoastmortgage.com/lo/james-gaudiosi/, verified 2026-10-09.
- credential: Washingtonian Magazine Elite Producer 2020-2024. Source: https://www.atlanticcoastmortgage.com/lo/james-gaudiosi/, verified 2026-10-09.
- credential: Washingtonian Magazine Best Mortgage Professional 2021, 2025. Source: https://www.atlanticcoastmortgage.com/lo/james-gaudiosi/, verified 2026-10-09.
- credential: President's Club Atlantic Coast Mortgage 2020-2024. Source: https://www.atlanticcoastmortgage.com/lo/james-gaudiosi/, verified 2026-10-09.
- credential: Experience.com Top Performers TOP 1% 2021. Source: https://www.atlanticcoastmortgage.com/lo/james-gaudiosi/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| DC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Atlantic Coast Mortgage (NMLS 643114), Fairfax, VA. Source: https://www.atlanticcoastmortgage.com/lo/james-gaudiosi/, 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/474088

## Contact

- linkedin_url: https://www.linkedin.com/in/james-gaudiosi-5573853b/ (source: lender_site, verified 2026-10-09)
- View profile at Atlantic Coast Mortgage: https://www.atlanticcoastmortgage.com/lo/james-gaudiosi/
- Office phone on file: shown at https://lendb.ai/lo/james-f-gaudiosi-474088#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/474088
- lender_site: https://www.atlanticcoastmortgage.com/lo/james-gaudiosi/

Cite as: James F. Gaudiosi (NMLS 474088), Atlantic Coast Mortgage. LenDb.ai, https://lendb.ai/lo/james-f-gaudiosi-474088, last verified 2026-10-09.

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