{
  "canonical_url": "https://lendb.ai/lo/jan-hart-296411",
  "loan_officer": {
    "nmls_id": 296411,
    "slug": "jan-hart-296411",
    "canonical_url": "https://lendb.ai/lo/jan-hart-296411",
    "md_url": "https://lendb.ai/lo/jan-hart-296411.md",
    "json_url": "https://lendb.ai/lo/jan-hart-296411.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/296411",
    "full_name": {
      "value": "Jan Hart",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/janhart",
      "verified_at": "2026-10-09"
    },
    "first_name": "Jan",
    "last_name": "Hart",
    "headshot_url": {
      "value": "https://v5.airtableusercontent.com/v3/u/58/58/1791554400000/kFJ1F5BoG92Pesg3y34IRA/SrO0SrMwrqFSTIg9BsTfPBQn3TMoRJvyL0s62Nf6EN7tfhsFy8Y9RxzTXqK2tk8Y1DhTSa6iUOU67-qpZakL2e9H4qmoHuukQlFmZy7L5JCuhOpeNrBAueRkRHe785_TM636O9FeN0uDl4zwMHIdj5e4PTgHGAoWgUevhs4wP_Q/jamQwYxR619kGmMqXdk0B21SP6XY2859eDdm6_PAPsw",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/janhart",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Jan is a seasoned mortgage professional with over three decades of experience since February 1991, specializing in finding creative solutions for first-time homebuyers and restructuring financial issues. Based in Cortez, Colorado since 1984.",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/janhart",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/janhart",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/janhart",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 1839243,
      "lender_name": "Empire Home Loans",
      "lender_slug": "empire-home-loans-1839243",
      "branch_city": "Cortez",
      "branch_state": "CO",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.empirehomeloans.com/team/janhart",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/janhart",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1839243,
        "lender_name": "Empire Home Loans",
        "lender_slug": "empire-home-loans-1839243",
        "branch_city": "Cortez",
        "branch_state": "CO",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.empirehomeloans.com/team/janhart",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/janhart",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/janhart",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 1991",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/janhart",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "BA in Business from Fort Lewis College",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/janhart",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "City of Cortez Citizens Police Academy",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/janhart",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Cortez, Colorado",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/janhart",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Supports local charities and fundraisers in Cortez",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/janhart",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 10:03:51.446623+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/jan-hart-296411#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.empirehomeloans.com/team/janhart",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}