---
canonical_url: https://lendb.ai/lo/joseph-valverde-1600827
json_url: https://lendb.ai/lo/joseph-valverde-1600827.json
nmls_id: 1600827
last_verified: 2026-10-09
---

# Joseph ValVerde

Mortgage Loan Officer at Loan Factory. NMLS ID 1600827 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1600827)).

**Summary:** Joseph ValVerde (NMLS 1600827) is Mortgage Loan Officer at Loan Factory. Lists Arizona and California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: 1099 income, Self-employed and VA loan. Licensed since 2021 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2021 (per Florida records). This is license history on file, not total experience.
- Licensed in: Arizona (AZ, lender_reported), California (CA, 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: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **1099 income** (`1099-income`): lender page, confidence 0.80, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/joseph-valverde-1600827
- **Self-employed** (`self-employed`): lender page, confidence 0.80, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/joseph-valverde-1600827
- **VA loan** (`va`): lender page, confidence 0.60, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/joseph-valverde-1600827

## About

U.S. veteran and experienced mortgage professional with over a decade in finance. Founded Team Easy Loans to provide simplicity and transparency, offering access to 200+ lenders through LoanFactory.

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

## Facts from the lender page and intro

- years_experience: over a decade. Source: https://www.loanfactory.com/mortgage-expert/joseph-valverde-1600827, verified 2026-10-09.
- role: founder. Source: https://www.loanfactory.com/mortgage-expert/joseph-valverde-1600827, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO85347 | expired | confirmed | 2021-04-07 | state_regulator | 2026-10-09 |
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/joseph-valverde-1600827, 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/1600827

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/joseph-valverde-1600827

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1600827
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/joseph-valverde-1600827

Cite as: Joseph ValVerde (NMLS 1600827), Loan Factory. LenDb.ai, https://lendb.ai/lo/joseph-valverde-1600827, last verified 2026-10-09.

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