Jana Neal
Licensed Loan File Specialist at Lower · Gallatin, TN
NMLS ID 2248146 (opens in a new tab) · verify at NMLS Consumer Access
Jana Neal (NMLS 2248146) is Licensed Loan File Specialist at Lower, based in Gallatin, TN. Lists Kentucky and Tennessee on the lender page (not yet checked with the state regulator). Lower also offers FHA loan, First-time buyer, HELOC, Real estate investor and Jumbo loan and 5 more (a lender program, not confirmed as their own focus). States 20 years of experience.
Last verified . Sources: Lower (lower.com), the loan officer's recorded intro and NMLS Consumer Access (license status, check live).
- 20 years experience (stated)
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 2 states
- Video intro
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
No focus listed on their lender page yet.
Their lender offers
FHA loan, First-time buyer, HELOC, Real estate investor, Jumbo loan, Non-QM loan, Renovation loan (203k / HomeStyle), USDA loan, VA loan and Vacation home. Programs Lower offers (verified 2026-10-10). Lender-level: not confirmed as Jana's own focus, so ask.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
Contact
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Employment history
Lower NMLS 1124061
Current · Gallatin, TN · seen on lender site 2026-10-10
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
Video intro available
Jana has a short recorded video intro on Lower's site.
Watch on Lower's site (opens in a new tab)
The recording is hosted and published by Lower. We don't copy or transcribe it. Verified 2026-10-10.
About
Jana Neal is licensed in Tennessee and Kentucky with over 20 years of experience, serving Franklin, KY and Gallatin, TN. They also write a community newspaper column and teach homebuyer education classes.
Our summary of the lender page. Verified 2026-10-10.
- Community
- Teaches Homebuyer Education Classes at community college
- Source (opens in a new tab), verified 2026-10-10
Sources
| Name and employer | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Licensed states | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Lender programs | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Summary | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Contact | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Video intro | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Photo | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Jana Neal (NMLS 2248146), Lower. LenDb.ai, https://lendb.ai/lo/jana-neal-2248146, last verified 2026-10-10.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.