{
  "canonical_url": "https://lendb.ai/lo/julio-garza-2617895",
  "loan_officer": {
    "nmls_id": 2617895,
    "slug": "julio-garza-2617895",
    "canonical_url": "https://lendb.ai/lo/julio-garza-2617895",
    "md_url": "https://lendb.ai/lo/julio-garza-2617895.md",
    "json_url": "https://lendb.ai/lo/julio-garza-2617895.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2617895",
    "full_name": {
      "value": "Julio Garza",
      "source": "lender_site",
      "source_url": "https://neighborhoodloans.com/julio-garza/",
      "verified_at": "2026-10-11"
    },
    "first_name": "Julio",
    "last_name": "Garza",
    "headshot_url": {
      "value": "https://neighborhoodloans.com/wp-content/uploads/2025/04/julio-garza-web.jpg",
      "source": "lender_site",
      "source_url": "https://neighborhoodloans.com/julio-garza/",
      "verified_at": "2026-10-11"
    },
    "bio": {
      "value": "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.",
      "source": "lender_site",
      "source_url": "https://neighborhoodloans.com/julio-garza/",
      "verified_at": "2026-10-11"
    },
    "title": {
      "value": "Mortgage Loan Originator",
      "source": "lender_site",
      "source_url": "https://neighborhoodloans.com/julio-garza/",
      "verified_at": "2026-10-11"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://neighborhoodloans.com/julio-garza/",
      "verified_at": "2026-10-11"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 222982,
      "lender_name": "Neighborhood Loans",
      "lender_slug": "neighborhood-loans-222982",
      "branch_city": "Lakeland",
      "branch_state": "FL",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://neighborhoodloans.com/julio-garza/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://neighborhoodloans.com/julio-garza/",
      "verified_at": "2026-10-11"
    },
    "employment_history": [
      {
        "lender_nmls_id": 222982,
        "lender_name": "Neighborhood Loans",
        "lender_slug": "neighborhood-loans-222982",
        "branch_city": "Lakeland",
        "branch_state": "FL",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://neighborhoodloans.com/julio-garza/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://neighborhoodloans.com/julio-garza/",
        "verified_at": "2026-10-11"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO134620",
        "status": "active",
        "issued_at": "2025-01-15",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://neighborhoodloans.com/julio-garza/",
        "verified_at": "2026-10-11"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://neighborhoodloans.com/julio-garza/",
        "verified_at": "2026-10-11"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-11",
    "updated_at": "2026-10-11 04:58:59.535328+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/julio-garza-2617895#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://neighborhoodloans.com/julio-garza/",
      "verified_at": "2026-10-11"
    },
    "earliest_license_record": {
      "date": "2025-01-15",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2025,
      "state": "FL"
    },
    "federal_registration": null
  }
}