---
canonical_url: https://lendb.ai/lo/julio-garza-2617895
json_url: https://lendb.ai/lo/julio-garza-2617895.json
nmls_id: 2617895
last_verified: 2026-10-11
---

# Julio Garza

Mortgage Loan Originator at Neighborhood Loans, Lakeland, FL. NMLS ID 2617895 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2617895)).

**Summary:** 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 2026-10-11.

## At a glance

- Earliest state license record: January 15, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed)
- 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.70, verified 2026-10-11. Source: https://neighborhoodloans.com/julio-garza/
- **Real estate investor** (`investor`): lender page, confidence 0.50, verified 2026-10-11. Source: https://neighborhoodloans.com/julio-garza/

## 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.

Source: LenDb summary of the lender page, verified 2026-10-11.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO134620 | active | confirmed | 2025-01-15 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Neighborhood Loans (NMLS 222982), Lakeland, FL. Source: https://neighborhoodloans.com/julio-garza/, verified 2026-10-11.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2617895

## Contact

- View profile at Neighborhood Loans: https://neighborhoodloans.com/julio-garza/
- Office phone and Email on file: shown at https://lendb.ai/lo/julio-garza-2617895#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2617895
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://neighborhoodloans.com/julio-garza/

Cite as: Julio Garza (NMLS 2617895), Neighborhood Loans. LenDb.ai, https://lendb.ai/lo/julio-garza-2617895, last verified 2026-10-11.

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