---
canonical_url: https://lendb.ai/lo/jose-garibay-2582708
json_url: https://lendb.ai/lo/jose-garibay-2582708.json
nmls_id: 2582708
last_verified: 2026-10-15
---

# Jose Garibay

Mortgage Advisor at Advantage Mortgage, Inc., Salem, OR. NMLS ID 2582708 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2582708)).

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.

**Summary:** Jose Garibay (NMLS 2582708) is Mortgage Advisor at Advantage Mortgage, Inc., based in Salem, OR. Licensed in Oregon, confirmed with the state regulator. Speaks English and Spanish. Earliest state license record: July 1, 2024 (Oregon), per state regulator. Last verified 2026-10-15.

## Quick answers

### Is Jose licensed in Oregon?

Yes. Oregon regulator records list a license as active, first effective July 1, 2024 (verified 2026-10-20). Source: https://dfr.oregon.gov/.

### What lender does Jose work for?

Advantage Mortgage, Inc., company NMLS 1770599, from the Salem, OR office, per the lender's own site (verified 2026-10-15). Source: https://findtheadvantage.com/loan-officer/jose-garibay/.

### What languages does Jose speak?

English and Spanish, per their lender page (verified 2026-10-15). Source: https://findtheadvantage.com/loan-officer/jose-garibay/.

### How long has Jose been licensed?

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. Source: https://dfr.oregon.gov/.

## At a glance

- Earliest state license record: July 1, 2024 (Oregon), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Jose D. Garibay Ventura (OR, as of 2026-06-30)
- Licensed in: Oregon (OR, confirmed)
- 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: English, Spanish (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)

- None on file yet.

## Facts from the lender page and intro

- role: Mortgage Broker. Source: https://findtheadvantage.com/loan-officer/jose-garibay/, verified 2026-10-15.
- other: Fluent in English and Spanish. Source: https://findtheadvantage.com/loan-officer/jose-garibay/, verified 2026-10-15.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| OR | Oregon regulator | state_license | n/a | active | confirmed | 2024-07-01 | state_regulator | 2026-10-20 |

## Employment history

- ? to present: Advantage Mortgage, Inc. (NMLS 1770599), Salem, OR. Source: https://findtheadvantage.com/loan-officer/jose-garibay/, 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/2582708

## Contact

- View profile at Advantage Mortgage, Inc.: https://findtheadvantage.com/loan-officer/jose-garibay/
- Office phone and Email on file: shown at https://lendb.ai/lo/jose-garibay-2582708#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2582708
- state_regulator: https://dfr.oregon.gov/
- lender_site: https://findtheadvantage.com/loan-officer/jose-garibay/

Cite as: Jose Garibay (NMLS 2582708), Advantage Mortgage, Inc.. LenDb.ai, https://lendb.ai/lo/jose-garibay-2582708, last verified 2026-10-15.

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