--- canonical_url: https://lendb.ai/lo/jennifer-romero-187744 json_url: https://lendb.ai/lo/jennifer-romero-187744.json nmls_id: 187744 last_verified: 2026-10-26 --- # Jennifer Romero Loan Officer at CrossCountry Mortgage, Manteca, CA. NMLS ID 187744 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/187744)). 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. **Summary:** Jennifer Romero (NMLS 187744) is Loan Officer at CrossCountry Mortgage, based in Manteca, CA. Licensed in California, confirmed with the state regulator (license CA-DFPI187744). Focus areas shown on the lender page: First-time buyer, Real estate investor, FHA loan and Refinance. CrossCountry Mortgage also offers Condo, Non-warrantable condo, Construction loan, Down payment assistance and DSCR loan and 10 more (a lender program, not confirmed as their own focus). Earliest state license record: December 31, 2020 (California), per state regulator. States 15 years of experience. Last verified 2026-10-26. ## Quick answers ### Is Jennifer licensed in California? Yes. California regulator records list license CA-DFPI187744 as active, first effective December 31, 2020 (verified 2026-10-24). Source: https://dfpi.ca.gov/. ### Does Jennifer list first-time buyer as a focus? 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. Source: https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/. ### What lender does Jennifer work for, and is it FHA-approved? 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). Source: https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/. ### How long has Jennifer been licensed? 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. Source: https://dfpi.ca.gov/. ## At a glance - Earliest state license record: December 31, 2020 (California), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 15 (source: https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/, verified 2026-10-26) - Also licensed as (state regulator records, same NMLS ID): Jennifer R. Romero (CA, as of 2026-10-22) - Licensed in: California (CA DFPI, confirmed) - 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 (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.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.80, verified 2026-10-26. Source: https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/ - **Real estate investor** (`investor`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/ - **FHA loan** (`fha`): from their lender profile page, confidence 0.07, verified 2026-10-26. Source: https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/ - **Refinance** (`refinance`): from their lender profile page, confidence 0.07, verified 2026-10-26. Source: https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/ ### Their lender offers (lender level: CrossCountry Mortgage's programs, not confirmed as this person's focus) - **Condo** (`condo`): verified 2026-10-09. Source: https://crosscountrymortgage.com - **Non-warrantable condo** (`condo-non-warrantable`): verified 2026-10-09. Source: https://crosscountrymortgage.com - **Construction loan** (`construction`): verified 2026-10-09. Source: https://crosscountrymortgage.com - **Down payment assistance** (`down-payment-assistance`): verified 2026-10-09. Source: https://crosscountrymortgage.com - **DSCR loan** (`dscr`): verified 2026-10-09. Source: https://crosscountrymortgage.com - **HELOC** (`heloc`): verified 2026-10-09. Source: https://crosscountrymortgage.com - **Jumbo loan** (`jumbo`): verified 2026-10-09. Source: https://crosscountrymortgage.com - **Non-QM loan** (`non-qm`): verified 2026-10-09. Source: https://crosscountrymortgage.com - **Physician and medical professional** (`physician`): verified 2026-10-09. Source: https://crosscountrymortgage.com - **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-09. Source: https://crosscountrymortgage.com - **Reverse mortgage** (`reverse`): verified 2026-10-09. Source: https://crosscountrymortgage.com - **Rural property** (`rural`): verified 2026-10-09. Source: https://crosscountrymortgage.com - **Self-employed** (`self-employed`): verified 2026-10-09. Source: https://crosscountrymortgage.com - **USDA loan** (`usda`): verified 2026-10-09. Source: https://crosscountrymortgage.com - **VA loan** (`va`): verified 2026-10-09. Source: https://crosscountrymortgage.com ## Facts from the lender page and intro - years_experience: 15. Source: https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/, verified 2026-10-26. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI187744 | active | confirmed | 2020-12-31 | state_regulator | 2026-10-24 | ## Employment history - ? to present: CrossCountry Mortgage (NMLS 3029), Manteca, CA. Source: https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/, verified 2026-10-26. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/187744 ## Contact - View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/ - Office phone and Email on file: shown at https://lendb.ai/lo/jennifer-romero-187744#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/187744 - state_regulator: https://dfpi.ca.gov/ - state_regulator: https://crosscountrymortgage.com/manteca-ca-5354/jennifer-romero/ - lender_site (lender programs): https://crosscountrymortgage.com - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Jennifer Romero (NMLS 187744), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/jennifer-romero-187744, last verified 2026-10-26. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._