---
canonical_url: https://lendb.ai/lo/lisa-howe-501988
json_url: https://lendb.ai/lo/lisa-howe-501988.json
nmls_id: 501988
last_verified: 2026-10-15
---

# Lisa Howe

VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, Lake Mary, FL. NMLS ID 501988 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/501988)).

**Summary:** Lisa Howe (NMLS 501988) is VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Lake Mary, FL. Licensed in Florida, confirmed with the state regulator (license LO145445). Also lists Minnesota on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Condo, Real estate investor, Self-employed, VA loan and Construction loan. Earliest state license record: March 2, 2026 (Florida), per state regulator. States 33 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: March 2, 2026 (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): 33 (source: https://www.grarate.com/loan-officers/lisa-howe-501988, verified 2026-10-15)
- Licensed in: Florida (FL, confirmed), Minnesota (MN, lender_reported)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- **Condo** (`condo`): from their lender profile page, confidence 0.80, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/lisa-howe-501988
- **Real estate investor** (`investor`): from their lender profile page, confidence 0.80, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/lisa-howe-501988
- **Self-employed** (`self-employed`): from their lender profile page, confidence 0.80, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/lisa-howe-501988
- **VA loan** (`va`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/lisa-howe-501988
- **Construction loan** (`construction`): from their lender profile page, confidence 0.60, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/lisa-howe-501988
- **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.50, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/lisa-howe-501988
- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.19, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/lisa-howe-501988

## About

Lisa Howe has 33 years of experience and focuses on first-time buyers, construction, veterans, investors, self-employed and condo borrowers in Space Coast, FL and Twin Cities, MN.

Source: LenDb summary of the lender page, verified 2026-10-15.

## Facts from the lender page and intro

- years_experience: 33. Source: https://www.grarate.com/loan-officers/lisa-howe-501988, verified 2026-10-15.
- service_area: Space Coast, FL and Twin Cities, MN. Source: https://www.grarate.com/loan-officers/lisa-howe-501988, verified 2026-10-15.
- credential: President's Club member for 15 years. Source: https://www.grarate.com/loan-officers/lisa-howe-501988, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO145445 | active | confirmed | 2026-03-02 | state_regulator | 2026-10-15 |
| MN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), Lake Mary, FL. Source: https://www.grarate.com/loan-officers/lisa-howe-501988, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/501988

## Contact

- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/lisa-howe-501988
- Office phone and Email on file: shown at https://lendb.ai/lo/lisa-howe-501988#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/501988
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.grarate.com/loan-officers/lisa-howe-501988
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Lisa Howe (NMLS 501988), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/lisa-howe-501988, last verified 2026-10-15.

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