---
canonical_url: https://lendb.ai/lo/josefina-vargas-verran-1935728
json_url: https://lendb.ai/lo/josefina-vargas-verran-1935728.json
nmls_id: 1935728
last_verified: 2026-10-09
---

# Josefina Vargas-Verran

Mortgage Loan Officer at Loan Factory, TX. NMLS ID 1935728 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1935728)).

**Summary:** Josefina Vargas-Verran (NMLS 1935728) is Mortgage Loan Officer at Loan Factory, based in Texas. Lists Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Rural property, VA loan and FHA loan. Speaks English and Spanish. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Texas (TX, 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: English, Spanish
- Profile: unclaimed
- Status: active

## Specialties

- **Rural property** (`rural`): lender page, confidence 0.80, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/josefina-vargas-verran-1935728
- **VA loan** (`va`): lender page, confidence 0.80, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/josefina-vargas-verran-1935728
- **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/josefina-vargas-verran-1935728

## About

Texas loan officer licensed since 2022 specializing in residential, investment, and commercial buyers. Fluent in Spanish with 1,500+ hours of commercial appraisal experience; active member of Graduate Realtors Institute with certifications in luxury homes, short sales, and veteran services.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: since 2022. Source: https://www.loanfactory.com/mortgage-expert/josefina-vargas-verran-1935728, verified 2026-10-09.
- credential: Senior Real Estate Specialist, Short Sales and Foreclosures Resource, Accredited Luxury Home Specialist, Veteran's Land Board, Master Certified Negotiation Expert, previously CRS. Source: https://www.loanfactory.com/mortgage-expert/josefina-vargas-verran-1935728, verified 2026-10-09.
- credential: 1,500+ hours of commercial appraisal experience. Source: https://www.loanfactory.com/mortgage-expert/josefina-vargas-verran-1935728, verified 2026-10-09.
- role: Associate Broker with HomeSmart. Source: https://www.loanfactory.com/mortgage-expert/josefina-vargas-verran-1935728, verified 2026-10-09.
- community: Member of Houston Association of Realtors; Graduate Realtors Institute; volunteers in Church Veteran and Food Ministries. Source: https://www.loanfactory.com/mortgage-expert/josefina-vargas-verran-1935728, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841), TX. Source: https://www.loanfactory.com/mortgage-expert/josefina-vargas-verran-1935728, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1935728

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/josefina-vargas-verran-1935728

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1935728
- lender_site: https://www.loanfactory.com/mortgage-expert/josefina-vargas-verran-1935728

Cite as: Josefina Vargas-Verran (NMLS 1935728), Loan Factory. LenDb.ai, https://lendb.ai/lo/josefina-vargas-verran-1935728, last verified 2026-10-09.

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