{
  "canonical_url": "https://lendb.ai/lo/javier-handal-368541",
  "loan_officer": {
    "nmls_id": 368541,
    "slug": "javier-handal-368541",
    "canonical_url": "https://lendb.ai/lo/javier-handal-368541",
    "md_url": "https://lendb.ai/lo/javier-handal-368541.md",
    "json_url": "https://lendb.ai/lo/javier-handal-368541.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/368541",
    "full_name": {
      "value": "Javier Handal",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/miami-fl-3720/javier-handal/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Javier",
    "last_name": "Handal",
    "headshot_url": {
      "value": "https://thevault.ccm.com/asset/7f88681b-4371-458a-b384-482b294b7a4f/Website/3720_Handal_368541.jpg",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/miami-fl-3720/javier-handal/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Javier brings over two decades of loan origination and leadership experience, including expertise in negotiating tactics, management, and banking. He is a former U.S. Air Force veteran who served in Operation Southern Watch, Desert Thunder, and Desert Fox.",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/miami-fl-3720/javier-handal/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Outside Loan Originator",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/miami-fl-3720/javier-handal/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/miami-fl-3720/javier-handal/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 12,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 3029,
      "lender_name": "CrossCountry Mortgage",
      "lender_slug": "crosscountry-mortgage-3029",
      "branch_city": "Miami",
      "branch_state": "FL",
      "branch_zip": "33176",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/miami-fl-3720/javier-handal/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/miami-fl-3720/javier-handal/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "lender_slug": "crosscountry-mortgage-3029",
        "branch_city": "Miami",
        "branch_state": "FL",
        "branch_zip": "33176",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/miami-fl-3720/javier-handal/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/miami-fl-3720/javier-handal/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO26455",
        "status": "active",
        "issued_at": "2014-08-28",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "over two decades",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/miami-fl-3720/javier-handal/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Air Force Expeditionary Medal and Air Force Achievement Medal",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/miami-fl-3720/javier-handal/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Actively involved in charity work and helping families in need",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/miami-fl-3720/javier-handal/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 13:58:59.369771+00",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/javier-handal-368541#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://crosscountrymortgage.com/miami-fl-3720/javier-handal/",
      "verified_at": "2026-10-09"
    }
  }
}