Julio Garza
Mortgage Loan Originator at Neighborhood Loans · Lakeland, FL
NMLS ID 2617895 (opens in a new tab) · verify at NMLS Consumer Access
Julio Garza (NMLS 2617895) is Mortgage Loan Originator at Neighborhood Loans, based in Lakeland, FL. Licensed in Florida, confirmed with the state regulator (license LO134620). Focus areas shown on the lender page: First-time buyer and Real estate investor. Earliest state license record: January 15, 2025 (Florida), per state regulator.
Last verified . Sources: Neighborhood Loans (neighborhoodloans.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: January 15, 2025 (Florida), per state regulator
- 1 state
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Where we saw these: neighborhoodloans.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO134620, first effective 2025-01-15), verified 2026-10-09.
Contact
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Employment history
Neighborhood Loans NMLS 222982
Current · Lakeland, FL · seen on lender site 2026-10-11
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Julio Garza, based in Lakeland, FL, guides first-time homebuyers and new investors through financing. Bought their own home in 2022 and says they're available day or night, weekends included.
Our summary of the lender page. Verified 2026-10-11.
Sources
| Name and employer | lender site · neighborhoodloans.com (opens in a new tab) | verified 2026-10-11 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · neighborhoodloans.com (opens in a new tab) | verified 2026-10-11 |
| Summary | lender site · neighborhoodloans.com (opens in a new tab) | verified 2026-10-11 |
| Contact | lender site · neighborhoodloans.com (opens in a new tab) | verified 2026-10-11 |
| Photo | lender site · neighborhoodloans.com (opens in a new tab) | verified 2026-10-11 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Julio Garza (NMLS 2617895), Neighborhood Loans. LenDb.ai, https://lendb.ai/lo/julio-garza-2617895, last verified 2026-10-11.
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