---
canonical_url: https://lendb.ai/lo/javier-giarelli-1952196
json_url: https://lendb.ai/lo/javier-giarelli-1952196.json
nmls_id: 1952196
last_verified: 2026-10-09
---

# Javier Giarelli

Mortgage Loan Officer at Loan Factory, Miami, FL. NMLS ID 1952196 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1952196)).

**Summary:** Javier Giarelli (NMLS 1952196) is Mortgage Loan Officer at Loan Factory, based in Miami, FL. Licensed in Florida, confirmed with the state regulator (license LO85985). Focus areas shown on the lender page: First-time buyer, Foreign national, Real estate investor and Self-employed. Speaks English and Spanish. Licensed since 2021 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2021 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed)
- 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: English, Spanish
- Profile: unclaimed
- Status: active

## Specialties

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/javier-giarelli-1952196
- **Foreign national** (`foreign-national`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/javier-giarelli-1952196
- **Real estate investor** (`investor`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/javier-giarelli-1952196
- **Self-employed** (`self-employed`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/javier-giarelli-1952196

## About

Javier is a bilingual mortgage loan officer and real estate professional serving Miami and South Florida. He specializes in first-time homebuyers, self-employed borrowers, foreign nationals, and investment properties.

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

## Facts from the lender page and intro

- credential: Realtor®. Source: https://www.loanfactory.com/mortgage-expert/javier-giarelli-1952196, verified 2026-10-09.
- service_area: Miami and South Florida. Source: https://www.loanfactory.com/mortgage-expert/javier-giarelli-1952196, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO85985 | active | confirmed | 2021-04-20 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841), Miami, FL. Source: https://www.loanfactory.com/mortgage-expert/javier-giarelli-1952196, 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/1952196

## Contact

- linkedin_url: https://www.linkedin.com/in/javiergiarelli (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/javier-giarelli-1952196

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1952196
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/javier-giarelli-1952196

Cite as: Javier Giarelli (NMLS 1952196), Loan Factory. LenDb.ai, https://lendb.ai/lo/javier-giarelli-1952196, last verified 2026-10-09.

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