---
canonical_url: https://lendb.ai/lo/james-gaffney-38440
json_url: https://lendb.ai/lo/james-gaffney-38440.json
nmls_id: 38440
last_verified: 2026-10-10
---

# Jim Gaffney

Area Manager at Lower, Columbia, MD. NMLS ID 38440 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/38440)).

**Summary:** Jim Gaffney (NMLS 38440) is Area Manager at Lower, based in Columbia, MD. Licensed in Florida, confirmed with the state regulator (license LO36231). Also lists Virginia on the lender page (not yet checked with the state regulator). Earliest state license record: August 4, 2016 (Florida), per state regulator. States 30 years of experience. Last verified 2026-10-10.

## At a glance

- Earliest state license record: August 4, 2016 (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): 30 (source: https://www.lower.com/loan-officers/florida/valrico/jim-gaffney, verified 2026-10-10)
- Licensed in: Florida (FL, confirmed), 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


## About

Jim Gaffney has 30 years in the mortgage profession and focuses on helping homebuyers build wealth through home ownership and financial preparation. They are also the author of a book on home financing.

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

## Facts from the lender page and intro

- years_experience: 30. Source: https://www.lower.com/loan-officers/florida/valrico/jim-gaffney, verified 2026-10-10.
- credential: Author of "No Money No House". Source: https://www.lower.com/loan-officers/florida/valrico/jim-gaffney, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO36231 | active | confirmed | 2016-08-04 | state_regulator | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Columbia, MD. Source: https://www.lower.com/loan-officers/florida/valrico/jim-gaffney, verified 2026-10-10.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/38440

## Contact

- View profile at Lower: https://www.lower.com/loan-officers/florida/valrico/jim-gaffney
- Email on file: shown at https://lendb.ai/lo/james-gaffney-38440#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/38440
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/florida/valrico/jim-gaffney

Cite as: Jim Gaffney (NMLS 38440), Lower. LenDb.ai, https://lendb.ai/lo/james-gaffney-38440, last verified 2026-10-10.

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