--- canonical_url: https://lendb.ai/lo/jennifer-winnes-1475499 json_url: https://lendb.ai/lo/jennifer-winnes-1475499.json nmls_id: 1475499 last_verified: 2026-10-26 --- # Jennifer Winnes Loan Officer at Blue Water Mortgage, LLC. NMLS ID 1475499 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1475499)). Jennifer Winnes (NMLS 1475499) is a Loan Officer at Blue Water Mortgage, LLC, licensed in Florida since 2022 and in Massachusetts. **Summary:** Jennifer Winnes (NMLS 1475499) is Loan Officer at Blue Water Mortgage, LLC. Licensed in 2 states confirmed with state regulators: Florida and Massachusetts. Also lists Maine, New Hampshire and South Carolina on the lender page (not yet checked with the state regulator). Earliest state license record: February 16, 2022 (Florida), per state regulator. States 15 years of experience. Last verified 2026-10-26. ## Quick answers ### Is Jennifer licensed in Florida? Yes. Florida regulator records list license LO102548 as active, first effective February 16, 2022 (verified 2026-10-15). LenDb has 4 other states on file for Jennifer. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip. ### What lender does Jennifer work for? Blue Water Mortgage, LLC, company NMLS 1291, per the lender's own site (verified 2026-10-15). Source: https://bluewatermtg.com/our-team/jennifer-winnes/. ### How long has Jennifer been licensed? The earliest state license record LenDb holds for Jennifer is from February 16, 2022 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Jennifer states 15 years of experience. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip. ## At a glance - Earliest state license record: February 16, 2022 (Florida), 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://bluewatermtg.com/our-team/jennifer-winnes/, verified 2026-10-15) - Also licensed as (state regulator records, same NMLS ID): Jennifer M. Winnes (FL, MA, as of 2026-10-26) - Licensed in: Florida (FL, confirmed), Massachusetts (MA, confirmed), Maine (ME, lender_reported), New Hampshire (NH, lender_reported), South Carolina (SC, lender_reported) - 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) - None on file yet. ## Facts from the lender page and intro - years_experience: 15. Source: https://bluewatermtg.com/our-team/jennifer-winnes/, verified 2026-10-15. - years_experience: since 2017. Source: https://bluewatermtg.com/our-team/jennifer-winnes/, verified 2026-10-15. - role: processor and loan closer. Source: https://bluewatermtg.com/our-team/jennifer-winnes/, verified 2026-10-15. - community: Housing Affordability Committee at the Seacoast Board. Source: https://bluewatermtg.com/our-team/jennifer-winnes/, verified 2026-10-15. - community: Education Committee at the Strafford County Board of Realtors. Source: https://bluewatermtg.com/our-team/jennifer-winnes/, verified 2026-10-15. - community: Member of the New Hampshire Housing Fellows Program, Class of 2026. Source: https://bluewatermtg.com/our-team/jennifer-winnes/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO102548 | active | confirmed | 2022-02-16 | state_regulator | 2026-10-15 | | MA | Massachusetts regulator | state_license | MLO1475499 | active | confirmed | | state_regulator | 2026-10-26 | | ME | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | NH | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | SC | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | ## Employment history - ? to present: Blue Water Mortgage, LLC (NMLS 1291). Source: https://bluewatermtg.com/our-team/jennifer-winnes/, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1475499 ## Contact - linkedin_url: https://www.linkedin.com/in/jennifer-winnes-6421a1a8/ (source: lender_site, verified 2026-10-15) - View profile at Blue Water Mortgage, LLC: https://bluewatermtg.com/our-team/jennifer-winnes/ - Office phone and Email on file: shown at https://lendb.ai/lo/jennifer-winnes-1475499#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1475499 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - state_regulator: https://www.mass.gov/lists/download-a-list-of-approved-licensees - lender_site: https://bluewatermtg.com/our-team/jennifer-winnes/ Cite as: Jennifer Winnes (NMLS 1475499), Blue Water Mortgage, LLC. LenDb.ai, https://lendb.ai/lo/jennifer-winnes-1475499, last verified 2026-10-26. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._