---
canonical_url: https://lendb.ai/lo/julie-sams-109565
json_url: https://lendb.ai/lo/julie-sams-109565.json
nmls_id: 109565
last_verified: 2026-10-09
---

# Julie Sams

Loan Officer at Empire Home Loans, Fair Oaks, CA. NMLS ID 109565 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/109565)).

**Summary:** Julie Sams (NMLS 109565) is Loan Officer at Empire Home Loans, based in Fair Oaks, CA. States 35 years of experience. 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.
- Years experience (stated by the LO): 35 (source: https://www.empirehomeloans.com/team/julies, verified 2026-10-09)
- Licensed in: no license list on file; check NMLS Consumer Access
- 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


## About

Julie brings over 35 years of mortgage industry experience serving clients across Washington state and beyond. She emphasizes building lasting relationships and providing clear communication throughout the loan process.

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

## Facts from the lender page and intro

- years_experience: 35. Source: https://www.empirehomeloans.com/team/julies, verified 2026-10-09.
- service_area: Washington state and beyond. Source: https://www.empirehomeloans.com/team/julies, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: Empire Home Loans (NMLS 1839243), Fair Oaks, CA. Source: https://www.empirehomeloans.com/team/julies, 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/109565

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/julies
- Office phone and Email on file: shown at https://lendb.ai/lo/julie-sams-109565#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/109565
- lender_site: https://www.empirehomeloans.com/team/julies

Cite as: Julie Sams (NMLS 109565), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/julie-sams-109565, last verified 2026-10-09.

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