---
canonical_url: https://lendb.ai/lo/karina-ramos-855646
json_url: https://lendb.ai/lo/karina-ramos-855646.json
nmls_id: 855646
last_verified: 2026-10-09
---

# Karina Ramos

Senior Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), San Antonio, TX. NMLS ID 855646 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/855646)).

**Summary:** Karina Ramos (NMLS 855646) is Senior Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), based in San Antonio, TX. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: Down payment assistance, Vacation home, VA loan, FHA loan and Self-employed. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.85, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646
- **Vacation home** (`vacation-home`): lender page, confidence 0.70, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646
- **VA loan** (`va`): lender page, confidence 0.46, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646
- **FHA loan** (`fha`): lender page, confidence 0.43, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646
- **Self-employed** (`self-employed`): lender page, confidence 0.38, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646
- **Jumbo loan** (`jumbo`): lender page, confidence 0.14, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646

## About

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

## Licenses

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

## Employment history

- ? to present: JPMorgan Chase Bank (Chase Home Lending) (NMLS 399798), San Antonio, TX. Source: https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646, 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/855646

## Contact

- View profile at JPMorgan Chase Bank (Chase Home Lending): https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646
- Office phone and Email on file: shown at https://lendb.ai/lo/karina-ramos-855646#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/855646
- lender_site: https://homelendingadvisor.chase.com/tx/san-antonio/22203-i-10-hla-855646

Cite as: Karina Ramos (NMLS 855646), JPMorgan Chase Bank (Chase Home Lending). LenDb.ai, https://lendb.ai/lo/karina-ramos-855646, last verified 2026-10-09.

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