{
  "canonical_url": "https://lendb.ai/lo/manuel-gallo-2847030",
  "lede": {
    "text": "Manuel Gallo (NMLS 2847030) is an Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. Manuel's own profile lists VA loan as a focus.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Does Manuel do VA loans?",
      "a": "Manuel's profile lists VA loan as a focus (from their bio).",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://independencehl.com/manuel-gallo/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Manuel work for?",
      "a": "INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://independencehl.com/manuel-gallo/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How much experience does Manuel have?",
      "a": "Manuel states 6 years of experience.",
      "fields": [
        "years_experience"
      ],
      "source": "the loan officer's own statement",
      "source_url": "https://independencehl.com/manuel-gallo/",
      "verified_at": "2026-10-15"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "loan_officer": {
    "nmls_id": 2847030,
    "slug": "manuel-gallo-2847030",
    "canonical_url": "https://lendb.ai/lo/manuel-gallo-2847030",
    "md_url": "https://lendb.ai/lo/manuel-gallo-2847030.md",
    "json_url": "https://lendb.ai/lo/manuel-gallo-2847030.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2847030",
    "full_name": {
      "value": "Manuel Gallo",
      "source": "lender_site",
      "source_url": "https://independencehl.com/manuel-gallo/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Manuel",
    "last_name": "Gallo",
    "headshot_url": {
      "value": "https://independencehl.com/wp-content/uploads/2026/08/ManuelGalloWebsite-350x350.png",
      "source": "lender_site",
      "source_url": "https://independencehl.com/manuel-gallo/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Manuel Gallo has worked in mortgage lending for six years. They specialize in working with veterans on VA home loan benefits, including refinancing and VA entitlement access. Originally from Medellín, Colombia, they are a Florida State University alumnus.",
      "source": "lender_site",
      "source_url": "https://independencehl.com/manuel-gallo/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Executive Loan Officer",
      "source": "lender_site",
      "source_url": "https://independencehl.com/manuel-gallo/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://independencehl.com/manuel-gallo/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 6,
      "source": "lender_site",
      "source_url": "https://independencehl.com/manuel-gallo/",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 2524174,
      "lender_name": "INDEPENDENCE HOME LOANS LLC",
      "lender_slug": "independence-home-loans-llc-2524174",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://independencehl.com/manuel-gallo/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://independencehl.com/manuel-gallo/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2524174,
        "lender_name": "INDEPENDENCE HOME LOANS LLC",
        "lender_slug": "independence-home-loans-llc-2524174",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://independencehl.com/manuel-gallo/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://independencehl.com/manuel-gallo/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "basis": "bio_focus",
        "source": "lender_site",
        "source_url": "https://independencehl.com/manuel-gallo/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "6",
        "source": "lender_site",
        "source_url": "https://independencehl.com/manuel-gallo/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "Florida State University",
        "source": "lender_site",
        "source_url": "https://independencehl.com/manuel-gallo/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 17:32:07.814603+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/manuel-gallo-2847030#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://independencehl.com/manuel-gallo/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}