---
canonical_url: https://lendb.ai/lo/kimberley-barnes-996052
json_url: https://lendb.ai/lo/kimberley-barnes-996052.json
nmls_id: 996052
last_verified: 2026-10-09
---

# Kim Barnes

Loan Officer at CrossCountry Mortgage, Delray Beach, FL. NMLS ID 996052 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/996052)).

**Summary:** Kim Barnes (NMLS 996052) is Loan Officer at CrossCountry Mortgage, based in Delray Beach, FL. Licensed in Florida, confirmed with the state regulator (license LO132067). Focus areas shown on the lender page: FHA loan and First-time buyer. Licensed since 2024 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2024 (per Florida records). This is license history on file, not 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

- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/delray-beach-fl-3726/kimberley-barnes/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/delray-beach-fl-3726/kimberley-barnes/

## About

Kim has been a mortgage professional since 1998 with expertise in conventional, FHA, VA, USDA, jumbo, and construction loans, focusing on helping first-time homebuyers achieve homeownership.

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

## Facts from the lender page and intro

- years_experience: since 1998. Source: https://crosscountrymortgage.com/delray-beach-fl-3726/kimberley-barnes/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO132067 | active | confirmed | 2024-09-25 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Delray Beach, FL. Source: https://crosscountrymortgage.com/delray-beach-fl-3726/kimberley-barnes/, 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/996052

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/delray-beach-fl-3726/kimberley-barnes/
- Office phone and Email on file: shown at https://lendb.ai/lo/kimberley-barnes-996052#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/996052
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://crosscountrymortgage.com/delray-beach-fl-3726/kimberley-barnes/

Cite as: Kim Barnes (NMLS 996052), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/kimberley-barnes-996052, last verified 2026-10-09.

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