---
canonical_url: https://lendb.ai/lo/john-higdon-929683
json_url: https://lendb.ai/lo/john-higdon-929683.json
nmls_id: 929683
last_verified: 2026-10-09
---

# John Higdon

Branch Manager at Guild Mortgage, Waterloo, IA. NMLS ID 929683 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/929683)).

**Summary:** John Higdon (NMLS 929683) is Branch Manager at Guild Mortgage, based in Waterloo, IA. Licensed in Florida, confirmed with the state regulator (license LO64821). Also lists Georgia, Iowa, Illinois, Kansas, Missouri, Nebraska and Wisconsin on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance, First-time buyer and Renovation loan (203k / HomeStyle). Licensed since 2019 (per Florida records). States 14 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2019 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 14 (source: https://branches.guildmortgage.com/ia/waterloo/john-higdon-45-umjhi.html, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Georgia (GA, lender_reported), Iowa (IA, lender_reported), Illinois (IL, lender_reported), Kansas (KS, lender_reported), Missouri (MO, lender_reported), Nebraska (NE, lender_reported), Wisconsin (WI, 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
- Profile: unclaimed
- Status: active

## Specialties

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.90, verified 2026-10-09. Source: https://branches.guildmortgage.com/ia/waterloo/john-higdon-45-umjhi.html
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://branches.guildmortgage.com/ia/waterloo/john-higdon-45-umjhi.html
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.90, verified 2026-10-09. Source: https://branches.guildmortgage.com/ia/waterloo/john-higdon-45-umjhi.html

## About

Branch Manager with 14 years mortgage industry experience. Specializes in first-time buyer programs, renovation loans, VA, USDA, FHA, and down payment assistance programs.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 14. Source: https://branches.guildmortgage.com/ia/waterloo/john-higdon-45-umjhi.html, verified 2026-10-09.
- role: Part of River's Edge Mortgage Team. Source: https://branches.guildmortgage.com/ia/waterloo/john-higdon-45-umjhi.html, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO64821 | active | confirmed | 2019-10-11 | state_regulator | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| KS | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MO | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NE | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Guild Mortgage (NMLS 3274), Waterloo, IA. Source: https://branches.guildmortgage.com/ia/waterloo/john-higdon-45-umjhi.html, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/929683

## Contact

- View profile at Guild Mortgage: https://branches.guildmortgage.com/ia/waterloo/john-higdon-45-umjhi.html
- Email on file: shown at https://lendb.ai/lo/john-higdon-929683#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/929683
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://branches.guildmortgage.com/ia/waterloo/john-higdon-45-umjhi.html

Cite as: John Higdon (NMLS 929683), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/john-higdon-929683, last verified 2026-10-09.

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