{
  "canonical_url": "https://lendb.ai/lo/jose-garibay-2582708",
  "lede": {
    "text": "Jose Garibay, NMLS 2582708, works as a Mortgage Advisor at Advantage Mortgage, Inc. in Salem, Oregon and is licensed in Oregon since 2024. Jose speaks English and Spanish.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "languages"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Jose licensed in Oregon?",
      "a": "Yes. Oregon regulator records list a license as active, first effective July 1, 2024 (verified 2026-10-20).",
      "fields": [
        "licenses"
      ],
      "source": "Oregon state regulator",
      "source_url": "https://dfr.oregon.gov/",
      "verified_at": "2026-10-20"
    },
    {
      "q": "What lender does Jose work for?",
      "a": "Advantage Mortgage, Inc., company NMLS 1770599, from the Salem, OR office, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://findtheadvantage.com/loan-officer/jose-garibay/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What languages does Jose speak?",
      "a": "English and Spanish, per their lender page (verified 2026-10-15).",
      "fields": [
        "languages"
      ],
      "source": "lender page",
      "source_url": "https://findtheadvantage.com/loan-officer/jose-garibay/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Jose been licensed?",
      "a": "The earliest state license record LenDb holds for Jose is from July 1, 2024 (Oregon regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Oregon state regulator",
      "source_url": "https://dfr.oregon.gov/",
      "verified_at": "2026-10-20"
    }
  ],
  "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": 2582708,
    "slug": "jose-garibay-2582708",
    "canonical_url": "https://lendb.ai/lo/jose-garibay-2582708",
    "md_url": "https://lendb.ai/lo/jose-garibay-2582708.md",
    "json_url": "https://lendb.ai/lo/jose-garibay-2582708.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2582708",
    "full_name": {
      "value": "Jose Garibay",
      "source": "lender_site",
      "source_url": "https://findtheadvantage.com/loan-officer/jose-garibay/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Jose",
    "last_name": "Garibay",
    "licensed_names": [
      {
        "name": "Jose Garibay Ventura",
        "name_with_middle_initial": "Jose D. Garibay Ventura",
        "first_name": "Jose",
        "middle_initial": "D",
        "last_name": "Garibay Ventura",
        "states": [
          "OR"
        ],
        "source": "state_regulator",
        "as_of": "2026-06-30"
      }
    ],
    "headshot_url": null,
    "bio": null,
    "title": {
      "value": "Mortgage Advisor",
      "source": "lender_site",
      "source_url": "https://findtheadvantage.com/loan-officer/jose-garibay/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [
        "en",
        "es"
      ],
      "source": "lender_site",
      "source_url": "https://findtheadvantage.com/loan-officer/jose-garibay/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 60,
    "current_employment": {
      "lender_nmls_id": 1770599,
      "lender_name": "Advantage Mortgage, Inc.",
      "lender_slug": "advantage-mortgage-inc-1770599",
      "branch_city": "Salem",
      "branch_state": "OR",
      "branch_zip": "97301",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://findtheadvantage.com/loan-officer/jose-garibay/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://findtheadvantage.com/loan-officer/jose-garibay/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1770599,
        "lender_name": "Advantage Mortgage, Inc.",
        "lender_slug": "advantage-mortgage-inc-1770599",
        "branch_city": "Salem",
        "branch_state": "OR",
        "branch_zip": "97301",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://findtheadvantage.com/loan-officer/jose-garibay/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://findtheadvantage.com/loan-officer/jose-garibay/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2024-07-01",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "role",
        "value": "Mortgage Broker",
        "source": "lender_site",
        "source_url": "https://findtheadvantage.com/loan-officer/jose-garibay/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "Fluent in English and Spanish",
        "source": "lender_site",
        "source_url": "https://findtheadvantage.com/loan-officer/jose-garibay/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-21 17:05:47.394645+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/jose-garibay-2582708#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://findtheadvantage.com/loan-officer/jose-garibay/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2024-07-01",
      "state": "OR"
    },
    "licensed_since": {
      "year": 2024,
      "state": "OR"
    },
    "federal_registration": null
  }
}