---
canonical_url: https://lendb.ai/lo/joel-razo-bermudez-2172682
json_url: https://lendb.ai/lo/joel-razo-bermudez-2172682.json
nmls_id: 2172682
last_verified: 2026-10-15
---

# Joel Razo

Mortgage Loan Officer at Liberty Home Mortgage Corporation. NMLS ID 2172682 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2172682)).

**Summary:** Joel Razo (NMLS 2172682) is Mortgage Loan Officer at Liberty Home Mortgage Corporation. Licensed in Texas, confirmed with the state regulator. Speaks English and Spanish. Earliest state license record: June 15, 2022 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: June 15, 2022 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Texas (TX, 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: English, Spanish
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## About

Joel Razo is a Mortgage Loan Officer who is fluent in English and Spanish. Their profile lists GA, MS, OH, WV, KY and TX as states served.

Source: LenDb summary of the lender page, verified 2026-10-15.

## Facts from the lender page and intro

- other: bilingual (English and Spanish). Source: https://www.libertyhomemortgage.org/lo/joel-razo, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO109362 | expired | confirmed | 2022-06-15 | state_regulator | 2026-10-15 |
| TX | state_license | n/a | active | confirmed | 2026-05-13 | state_regulator | 2026-10-13 |

## Employment history

- ? to present: Liberty Home Mortgage Corporation (NMLS 1114762). Source: https://www.libertyhomemortgage.org/lo/joel-razo, 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/2172682

## Contact

- View profile at Liberty Home Mortgage Corporation: https://www.libertyhomemortgage.org/lo/joel-razo
- Office phone and Email on file: shown at https://lendb.ai/lo/joel-razo-bermudez-2172682#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2172682
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://www.libertyhomemortgage.org/lo/joel-razo
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Joel Razo (NMLS 2172682), Liberty Home Mortgage Corporation. LenDb.ai, https://lendb.ai/lo/joel-razo-bermudez-2172682, last verified 2026-10-15.

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