{
  "canonical_url": "https://lendb.ai/lo/johnson-cheam-2826725",
  "loan_officer": {
    "nmls_id": 2826725,
    "slug": "johnson-cheam-2826725",
    "canonical_url": "https://lendb.ai/lo/johnson-cheam-2826725",
    "md_url": "https://lendb.ai/lo/johnson-cheam-2826725.md",
    "json_url": "https://lendb.ai/lo/johnson-cheam-2826725.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2826725",
    "full_name": {
      "value": "Johnson Cheam",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/johnson-cheam-2826725",
      "verified_at": "2026-10-09"
    },
    "first_name": "Johnson",
    "last_name": "Cheam",
    "headshot_url": {
      "value": "https://lh3.googleusercontent.com/ixAG8Hia56dedLiWN4vgrPuIIA9lLT_jvafoxuCBzEagkzQ22IltG6vaH7IQlfHeAzirRuHPlWHj3khes_AtymikF0UrTtAZfPIi",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/johnson-cheam-2826725",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Johnson Cheam is a Mortgage Loan Originator serving Northern California borrowers with a systems-driven approach to financing. He combines competitive financing options with transparent communication for first-time homebuyers, refinance clients, and real estate partners.",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/johnson-cheam-2826725",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Loan Originator",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/johnson-cheam-2826725",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/johnson-cheam-2826725",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 320841,
      "lender_name": "Loan Factory",
      "lender_slug": "loan-factory-320841",
      "branch_city": null,
      "branch_state": "CA",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/johnson-cheam-2826725",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/johnson-cheam-2826725",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 320841,
        "lender_name": "Loan Factory",
        "lender_slug": "loan-factory-320841",
        "branch_city": null,
        "branch_state": "CA",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/johnson-cheam-2826725",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/johnson-cheam-2826725",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/johnson-cheam-2826725",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "Northern California",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/johnson-cheam-2826725",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 01:49:31.90658+00",
    "disciplinary_check": "not_checked",
    "gated_contact": null,
    "licensed_since": null,
    "federal_registration": null
  }
}