--- canonical_url: https://lendb.ai/lo/jana-neal-2248146 json_url: https://lendb.ai/lo/jana-neal-2248146.json nmls_id: 2248146 last_verified: 2026-10-10 --- # Jana Neal Licensed Loan File Specialist at Lower, Gallatin, TN. NMLS ID 2248146 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2248146)). **Summary:** 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 2026-10-10. ## 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): 20 (source: https://www.lower.com/loan-officers/tennessee/nashville/jana-neal, verified 2026-10-10) - Licensed in: Kentucky (KY, lender_reported), Tennessee (TN, lender_reported) - Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot - 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 ### Focus (officer level: their own bio, title, certification, specialty list or claim) - None on file yet. ### Their lender offers (lender level: Lower's programs, not confirmed as this person's focus) - **FHA loan** (`fha`): verified 2026-10-10. Source: https://www.lower.com - **First-time buyer** (`first-time-buyer`): verified 2026-10-10. Source: https://www.lower.com - **HELOC** (`heloc`): verified 2026-10-10. Source: https://www.lower.com - **Real estate investor** (`investor`): verified 2026-10-10. Source: https://www.lower.com - **Jumbo loan** (`jumbo`): verified 2026-10-10. Source: https://www.lower.com - **Non-QM loan** (`non-qm`): verified 2026-10-10. Source: https://www.lower.com - **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-10. Source: https://www.lower.com - **USDA loan** (`usda`): verified 2026-10-10. Source: https://www.lower.com - **VA loan** (`va`): verified 2026-10-10. Source: https://www.lower.com - **Vacation home** (`vacation-home`): verified 2026-10-10. Source: https://www.lower.com ## 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. Source: LenDb summary of the lender page, verified 2026-10-10. ## Video intro available Jana has a short recorded video intro on Lower's site. Watch on Lower's site: https://www.lower.com/loan-officers/tennessee/nashville/jana-neal The recording is hosted by the lender; LenDb does not copy or transcribe it. Verified 2026-10-10. ## Facts from the lender page and intro - years_experience: 20. Source: https://www.lower.com/loan-officers/tennessee/nashville/jana-neal, verified 2026-10-10. - service_area: Franklin, KY and Gallatin, TN. Source: https://www.lower.com/loan-officers/tennessee/nashville/jana-neal, verified 2026-10-10. - community: Writes a column for community newspaper. Source: https://www.lower.com/loan-officers/tennessee/nashville/jana-neal, verified 2026-10-10. - community: Teaches Homebuyer Education Classes at community college. Source: https://www.lower.com/loan-officers/tennessee/nashville/jana-neal, verified 2026-10-10. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | KY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | ## Employment history - ? to present: Lower (NMLS 1124061), Gallatin, TN. Source: https://www.lower.com/loan-officers/tennessee/nashville/jana-neal, 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/2248146 ## Contact - View profile at Lower: https://www.lower.com/loan-officers/tennessee/nashville/jana-neal - Office phone and Email on file: shown at https://lendb.ai/lo/jana-neal-2248146#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2248146 - lender_site: https://www.lower.com/loan-officers/tennessee/nashville/jana-neal - lender_site (lender programs): https://www.lower.com - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Jana Neal (NMLS 2248146), Lower. LenDb.ai, https://lendb.ai/lo/jana-neal-2248146, last verified 2026-10-10. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._