--- canonical_url: https://lendb.ai/lo/john-nettles-2350598 json_url: https://lendb.ai/lo/john-nettles-2350598.json nmls_id: 2350598 last_verified: 2026-10-26 --- # JR Nettles Loan Officer at Blue Water Mortgage, LLC. NMLS ID 2350598 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2350598)). 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. **Summary:** JR Nettles (NMLS 2350598) is Loan Officer at Blue Water Mortgage, LLC. Licensed in 2 states confirmed with state regulators: Florida and Massachusetts. Also lists Maine and New Hampshire on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer, Down payment assistance, Real estate investor and Self-employed. Earliest state license record: December 31, 2025 (Florida), per state regulator. Last verified 2026-10-26. ## Quick answers ### Is Jr licensed in Florida? 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. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ### Does Jr list first-time buyer as a focus? 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. Source: https://bluewatermtg.com/our-team/jr-nettles. ### What lender does Jr 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/jr-nettles/. ### How long has Jr been licensed? 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. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ## At a glance - Earliest state license record: December 31, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Licensed in: Florida (FL, confirmed), Massachusetts (MA, confirmed), Maine (ME, lender_reported), New Hampshire (NH, 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) - **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.90, verified 2026-10-26. Source: https://bluewatermtg.com/our-team/jr-nettles - **Down payment assistance** (`down-payment-assistance`): from their lender profile page, confidence 0.80, verified 2026-10-26. Source: https://bluewatermtg.com/our-team/jr-nettles - **Real estate investor** (`investor`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://bluewatermtg.com/our-team/jr-nettles - **Self-employed** (`self-employed`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://bluewatermtg.com/our-team/jr-nettles ## Facts from the lender page and intro - years_experience: over 10. Source: https://bluewatermtg.com/our-team/jr-nettles/, verified 2026-10-15. - education: Degree in Business, Appalachian State University. Source: https://bluewatermtg.com/our-team/jr-nettles/, verified 2026-10-15. - community: Board Member, NH Young Professionals. Source: https://bluewatermtg.com/our-team/jr-nettles/, verified 2026-10-15. - community: New Hampshire Housing Fellow. Source: https://bluewatermtg.com/our-team/jr-nettles/, verified 2026-10-15. - community: Affiliate Member, Seacoast Board of Realtors. Source: https://bluewatermtg.com/our-team/jr-nettles/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO143845 | active | confirmed | 2025-12-31 | state_regulator | 2026-10-15 | | MA | Massachusetts regulator | state_license | MLO2350598 | 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 | ## Employment history - ? to present: Blue Water Mortgage, LLC (NMLS 1291). Source: https://bluewatermtg.com/our-team/jr-nettles/, 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/2350598 ## Contact - linkedin_url: https://www.linkedin.com/in/john-ross-nettles-a2b25870/ (source: lender_site, verified 2026-10-15) - View profile at Blue Water Mortgage, LLC: https://bluewatermtg.com/our-team/jr-nettles/ - Office phone and Email on file: shown at https://lendb.ai/lo/john-nettles-2350598#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2350598 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://www.mass.gov/lists/download-a-list-of-approved-licensees - lender_site: https://bluewatermtg.com/our-team/jr-nettles/ - lender_site: https://bluewatermtg.com/our-team/jr-nettles Cite as: JR Nettles (NMLS 2350598), Blue Water Mortgage, LLC. LenDb.ai, https://lendb.ai/lo/john-nettles-2350598, last verified 2026-10-26. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._