{
  "canonical_url": "https://lendb.ai/lo/karina-ramos-855646",
  "loan_officer": {
    "nmls_id": 855646,
    "slug": "karina-ramos-855646",
    "canonical_url": "https://lendb.ai/lo/karina-ramos-855646",
    "md_url": "https://lendb.ai/lo/karina-ramos-855646.md",
    "json_url": "https://lendb.ai/lo/karina-ramos-855646.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/855646",
    "full_name": {
      "value": "Karina Ramos",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646",
      "verified_at": "2026-10-09"
    },
    "first_name": "Karina",
    "last_name": "Ramos",
    "headshot_url": {
      "value": "http://a.mktgcdn.com/p/Y5A0FYyqVLUmrDyVw15BDNIbVebCojDWGZZsQOf2sfM/1068x1608.jpg",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Karina has 21 years of experience as a Senior Home Lending Advisor. She specializes in preapproval, lending to self-employed clients, vacation home financing, FHA and VA mortgages, first-time homebuyer programs, and jumbo mortgages.",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Senior Home Lending Advisor",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 399798,
      "lender_name": "JPMorgan Chase Bank (Chase Home Lending)",
      "lender_slug": "chase-399798",
      "branch_city": "San Antonio",
      "branch_state": "TX",
      "branch_zip": "78256",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 399798,
        "lender_name": "JPMorgan Chase Bank (Chase Home Lending)",
        "lender_slug": "chase-399798",
        "branch_city": "San Antonio",
        "branch_state": "TX",
        "branch_zip": "78256",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "vacation-home",
        "label": "Vacation home",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.46,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.43,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.38,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.14,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 10:20:38.589822+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/karina-ramos-855646#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://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}