{
  "canonical_url": "https://lendb.ai/lo/jennifer-romero-187744",
  "lede": {
    "text": "Jennifer Romero (NMLS 187744) is a Loan Officer at CrossCountry Mortgage in Manteca, California, licensed in California since 2020. Jennifer's own profile lists first-time buyer, real estate investor and FHA loan as a focus, and Jennifer works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Jennifer licensed in California?",
      "a": "Yes. California regulator records list license CA-DFPI187744 as active, first effective December 31, 2020 (verified 2026-10-24).",
      "fields": [
        "licenses"
      ],
      "source": "California state regulator",
      "source_url": "https://dfpi.ca.gov/",
      "verified_at": "2026-10-24"
    },
    {
      "q": "Does Jennifer list first-time buyer as a focus?",
      "a": "Jennifer's profile lists first-time buyer as a focus (from their lender profile page). It also lists real estate investor, FHA loan and refinance.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Jennifer work for, and is it FHA-approved?",
      "a": "CrossCountry Mortgage, company NMLS 3029, from the Manteca, CA office, per the lender's own site (verified 2026-10-26). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026).",
      "fields": [
        "current_employment",
        "employer_program_approvals"
      ],
      "source": "lender site; HUD",
      "source_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "How long has Jennifer been licensed?",
      "a": "The earliest state license record LenDb holds for Jennifer is from December 31, 2020 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Jennifer states 15 years of experience.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "California state regulator",
      "source_url": "https://dfpi.ca.gov/",
      "verified_at": "2026-10-24"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "loan_officer": {
    "nmls_id": 187744,
    "slug": "jennifer-romero-187744",
    "canonical_url": "https://lendb.ai/lo/jennifer-romero-187744",
    "md_url": "https://lendb.ai/lo/jennifer-romero-187744.md",
    "json_url": "https://lendb.ai/lo/jennifer-romero-187744.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/187744",
    "full_name": {
      "value": "Jennifer Romero",
      "source": "state_regulator",
      "source_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
      "verified_at": "2026-10-26"
    },
    "first_name": "Jennifer",
    "last_name": "Romero",
    "licensed_names": [
      {
        "name": "Jennifer Romero",
        "name_with_middle_initial": "Jennifer R. Romero",
        "first_name": "Jennifer",
        "middle_initial": "R",
        "last_name": "Romero",
        "states": [
          "CA"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-22"
      }
    ],
    "headshot_url": {
      "value": "https://thevault.ccm.com/asset/1f833a57-3635-4bf0-80a7-68ced79aa9ca/Website/5354_Romero_187744.jpg",
      "source": "state_regulator",
      "source_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
      "verified_at": "2026-10-26"
    },
    "bio": null,
    "title": {
      "value": "Loan Officer",
      "source": "state_regulator",
      "source_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
      "verified_at": "2026-10-26"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
      "verified_at": "2026-10-26"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 15,
      "source": "lender_site",
      "source_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
      "verified_at": "2026-10-26"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 3029,
      "lender_name": "CrossCountry Mortgage",
      "lender_slug": "crosscountry-mortgage-3029",
      "branch_city": "Manteca",
      "branch_state": "CA",
      "branch_zip": "95336",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
      "verified_at": "2026-10-26"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "lender_slug": "crosscountry-mortgage-3029",
        "branch_city": "Manteca",
        "branch_state": "CA",
        "branch_zip": "95336",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
        "verified_at": "2026-10-26"
      }
    ],
    "licenses": [
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI187744",
        "status": "active",
        "issued_at": "2020-12-31",
        "source": "state_regulator",
        "source_url": "https://dfpi.ca.gov/",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dfpi",
        "regulator_name": "California Department of Financial Protection and Innovation"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.07,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "refinance",
        "label": "Refinance",
        "evidence": "lender_page_text",
        "confidence": 0.07,
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [
      {
        "slug": "condo",
        "label": "Condo",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "condo-non-warrantable",
        "label": "Non-warrantable condo",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "construction",
        "label": "Construction loan",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "dscr",
        "label": "DSCR loan",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "heloc",
        "label": "HELOC",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "physician",
        "label": "Physician and medical professional",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "rural",
        "label": "Rural property",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 3029,
        "lender_name": "CrossCountry Mortgage",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com",
        "verified_at": "2026-10-09"
      }
    ],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "15",
        "source": "lender_site",
        "source_url": "https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/",
        "verified_at": "2026-10-26"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 20:07:49.913156+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/jennifer-romero-187744#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/manteca-ca-5354/jennifer-romero/",
      "verified_at": "2026-10-26"
    },
    "earliest_license_record": {
      "date": "2020-12-31",
      "state": "CA"
    },
    "licensed_since": {
      "year": 2020,
      "state": "CA"
    },
    "federal_registration": null
  }
}