Kirk Rau
Loan Officer at Empire Home Loans · Fair Oaks, CA
NMLS ID 1466931 (opens in a new tab) · verify at NMLS Consumer Access
Kirk Rau (NMLS 1466931) is Loan Officer at Empire Home Loans, based in Fair Oaks, CA. Focus areas shown on the lender page: First-time buyer. Earliest state license record: February 18, 2022 (Florida), per state regulator.
Last verified . Sources: Empire Home Loans (empirehomeloans.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: February 18, 2022 (Florida), per state regulator
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Where we saw these: empirehomeloans.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
No license list on file yet. Check NMLS Consumer Access (opens in a new tab) for every state this person is licensed in.
Earlier regulator records (not active): FL (expired).
Contact
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Employment history
Empire Home Loans NMLS 1839243
Current · Fair Oaks, CA · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Kirk is a Retirement Mortgage Advisor who specializes in helping first-time buyers and homeowners 55+ strengthen retirement income and legacy plans. He has an education background and maintains a 4.95 rating across 90+ reviews.
Our summary of the lender page. Verified 2026-10-09.
- Role
- Retirement Mortgage Advisor and strategic mortgage planner
- Source (opens in a new tab), verified 2026-10-09
Sources
| Name and employer | lender site · empirehomeloans.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · empirehomeloans.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · empirehomeloans.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · empirehomeloans.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · empirehomeloans.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Kirk Rau (NMLS 1466931), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/kirk-rau-1466931, last verified 2026-10-09.
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