---
canonical_url: https://lendb.ai/lo/kristi-bozzo-447941
json_url: https://lendb.ai/lo/kristi-bozzo-447941.json
nmls_id: 447941
last_verified: 2026-10-09
---

# Kristi Bozzo

Loan Officer at Empire Home Loans. NMLS ID 447941 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/447941)).

**Summary:** Kristi Bozzo (NMLS 447941) is Loan Officer at Empire Home Loans. Licensed in Florida, confirmed with the state regulator (license LO129111). Focus areas shown on the lender page: Real estate investor. Earliest state license record: May 31, 2024 (Florida), per state regulator. States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: May 31, 2024 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 20 (source: https://www.empirehomeloans.com/team/kristi, verified 2026-10-09)
- 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

- **Real estate investor** (`investor`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/kristi

## About

Over 20 years of mortgage experience since 2001. Real estate investor herself offering tailored financing solutions for homebuyers and investors, with expertise in conventional, FHA, VA, and jumbo loans.

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

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.empirehomeloans.com/team/kristi, verified 2026-10-09.
- role: real estate investor. Source: https://www.empirehomeloans.com/team/kristi, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO129111 | active | confirmed | 2024-05-31 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Empire Home Loans (NMLS 1839243). Source: https://www.empirehomeloans.com/team/kristi, 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/447941

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/kristi
- Office phone and Email on file: shown at https://lendb.ai/lo/kristi-bozzo-447941#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/447941
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.empirehomeloans.com/team/kristi

Cite as: Kristi Bozzo (NMLS 447941), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/kristi-bozzo-447941, last verified 2026-10-09.

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