---
canonical_url: https://lendb.ai/lo/joseph-arvay-33420
json_url: https://lendb.ai/lo/joseph-arvay-33420.json
nmls_id: 33420
last_verified: 2026-10-15
---

# Joe Arvay

Mortgage Loan Officer at Liberty Home Mortgage Corporation. NMLS ID 33420 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/33420)).

**Summary:** Joe Arvay (NMLS 33420) is Mortgage Loan Officer at Liberty Home Mortgage Corporation. Focus areas shown on the lender page: FHA loan, Jumbo loan, USDA loan and VA loan. Earliest state license record: August 8, 2014 (Florida), per state regulator. States 18 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: August 8, 2014 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 18 (source: https://www.libertyhomemortgage.org/lo/joe-arvay, verified 2026-10-15)
- Licensed in: no license list on file; check NMLS Consumer Access
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- **FHA loan** (`fha`): from their lender profile page, confidence 0.85, verified 2026-10-15. Source: https://www.libertyhomemortgage.org/lo/joe-arvay
- **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.85, verified 2026-10-15. Source: https://www.libertyhomemortgage.org/lo/joe-arvay
- **USDA loan** (`usda`): from their lender profile page, confidence 0.85, verified 2026-10-15. Source: https://www.libertyhomemortgage.org/lo/joe-arvay
- **VA loan** (`va`): from their lender profile page, confidence 0.85, verified 2026-10-15. Source: https://www.libertyhomemortgage.org/lo/joe-arvay

## About

Joe Arvay is a Mortgage Loan Officer with over 18 years in mortgage lending. They say they specialize in FHA, VA, USDA, Conventional and Jumbo loans. They have worked on the retail and wholesale sides with banks, credit unions and consumer direct lenders.

Source: LenDb summary of the lender page, verified 2026-10-15.

## Facts from the lender page and intro

- years_experience: 18. Source: https://www.libertyhomemortgage.org/lo/joe-arvay, verified 2026-10-15.
- role: Executive Loan Originator. Source: https://www.libertyhomemortgage.org/lo/joe-arvay, verified 2026-10-15.
- other: Retail and wholesale mortgage lending with banks, credit unions and consumer direct lending. Source: https://www.libertyhomemortgage.org/lo/joe-arvay, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO26197 | expired | confirmed | 2014-08-08 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Liberty Home Mortgage Corporation (NMLS 1114762). Source: https://www.libertyhomemortgage.org/lo/joe-arvay, 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/33420

## Contact

- View profile at Liberty Home Mortgage Corporation: https://www.libertyhomemortgage.org/lo/joe-arvay
- Office phone and Email on file: shown at https://lendb.ai/lo/joseph-arvay-33420#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/33420
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.libertyhomemortgage.org/lo/joe-arvay
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Joe Arvay (NMLS 33420), Liberty Home Mortgage Corporation. LenDb.ai, https://lendb.ai/lo/joseph-arvay-33420, last verified 2026-10-15.

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