{
  "canonical_url": "https://lendb.ai/lo/john-nettles-2350598",
  "lede": {
    "text": "JR Nettles (NMLS 2350598) is a Loan Officer at Blue Water Mortgage, LLC, licensed in Florida since 2025 and in Massachusetts. Jr's lender page shows a focus on first-time buyer, down payment assistance and real estate investor.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Jr licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO143845 as active, first effective December 31, 2025 (verified 2026-10-15). LenDb has 3 other states on file for Jr.",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "Does Jr list first-time buyer as a focus?",
      "a": "Jr's profile lists first-time buyer as a focus (from their lender profile page). It also lists down payment assistance, real estate investor and self-employed.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://bluewatermtg.com/our-team/jr-nettles",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Jr work for?",
      "a": "Blue Water Mortgage, LLC, company NMLS 1291, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://bluewatermtg.com/our-team/jr-nettles/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Jr been licensed?",
      "a": "The earliest state license record LenDb holds for Jr is from December 31, 2025 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
      "verified_at": "2026-10-15"
    }
  ],
  "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": 2350598,
    "slug": "john-nettles-2350598",
    "canonical_url": "https://lendb.ai/lo/john-nettles-2350598",
    "md_url": "https://lendb.ai/lo/john-nettles-2350598.md",
    "json_url": "https://lendb.ai/lo/john-nettles-2350598.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2350598",
    "full_name": {
      "value": "JR Nettles",
      "source": "lender_site",
      "source_url": "https://bluewatermtg.com/our-team/jr-nettles/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Jr",
    "last_name": "Nettles",
    "headshot_url": null,
    "bio": null,
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://bluewatermtg.com/our-team/jr-nettles/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://bluewatermtg.com/our-team/jr-nettles/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 55,
    "current_employment": {
      "lender_nmls_id": 1291,
      "lender_name": "Blue Water Mortgage, LLC",
      "lender_slug": "blue-water-mortgage-llc-1291",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://bluewatermtg.com/our-team/jr-nettles/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://bluewatermtg.com/our-team/jr-nettles/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1291,
        "lender_name": "Blue Water Mortgage, LLC",
        "lender_slug": "blue-water-mortgage-llc-1291",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://bluewatermtg.com/our-team/jr-nettles/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/jr-nettles/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO143845",
        "status": "active",
        "issued_at": "2025-12-31",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "MA",
        "license_type": "state_license",
        "license_number": "MLO2350598",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "ma"
      },
      {
        "state": "ME",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/jr-nettles/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "NH",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/jr-nettles/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/jr-nettles",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/jr-nettles",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/jr-nettles",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/jr-nettles",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/john-ross-nettles-a2b25870/",
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/jr-nettles/",
        "verified_at": "2026-10-15"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "over 10",
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/jr-nettles/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "Degree in Business, Appalachian State University",
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/jr-nettles/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "community",
        "value": "Board Member, NH Young Professionals",
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/jr-nettles/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "community",
        "value": "New Hampshire Housing Fellow",
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/jr-nettles/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "community",
        "value": "Affiliate Member, Seacoast Board of Realtors",
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/jr-nettles/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 16:15:12.471355+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/john-nettles-2350598#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://bluewatermtg.com/our-team/jr-nettles/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2025-12-31",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2025,
      "state": "FL"
    },
    "federal_registration": null
  }
}