Kelly Freer
Loan Officer at Empire Home Loans
NMLS ID 1096398 (opens in a new tab) · verify at NMLS Consumer Access
Kelly Freer (NMLS 1096398) is Loan Officer at Empire Home Loans. Licensed in Florida, confirmed with the state regulator (license LO124670). Also lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan. Earliest state license record: December 6, 2023 (Florida), per state regulator. States 25 years of experience.
Last verified . Sources: Empire Home Loans (empirehomeloans.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: December 6, 2023 (Florida), per state regulator
- 25 years experience (stated)
- 2 states
- 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
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO124670, first effective 2023-12-06), verified 2026-10-09.
Lender-reported: CA is listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Empire Home Loans NMLS 1839243
Current · 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
Kelly brings 25+ years of financial services experience with a passion for assisting Veterans in understanding homeownership benefits. Serves on the Veteran's Association of Mortgage Professionals board and is active in the California Association of Mortgage Professionals.
Our summary of the lender page. Verified 2026-10-09.
- Credentials
- Member of California Association of Mortgage Professionals
- Source (opens in a new tab), verified 2026-10-09
- Credentials
- Board member of Veteran's Association of Mortgage Professionals
- Source (opens in a new tab), verified 2026-10-09
- Credentials
- Member of Sacramento Association of REALTORS®
- 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 |
| Licensed states | lender site · empirehomeloans.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: Kelly Freer (NMLS 1096398), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/margaret-freer-1096398, last verified 2026-10-09.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.