---
canonical_url: https://lendb.ai/lo/margaret-freer-1096398
json_url: https://lendb.ai/lo/margaret-freer-1096398.json
nmls_id: 1096398
last_verified: 2026-10-09
---

# Kelly Freer

Loan Officer at Empire Home Loans. NMLS ID 1096398 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1096398)).

**Summary:** 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 2026-10-09.

## At a glance

- Earliest state license record: December 6, 2023 (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): 25 (source: https://www.empirehomeloans.com/team/kfreer, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), California (CA, lender_reported)
- 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

- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/kfreer

## 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.

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

## Facts from the lender page and intro

- years_experience: 25. Source: https://www.empirehomeloans.com/team/kfreer, verified 2026-10-09.
- credential: Member of California Association of Mortgage Professionals. Source: https://www.empirehomeloans.com/team/kfreer, verified 2026-10-09.
- credential: Board member of Veteran's Association of Mortgage Professionals. Source: https://www.empirehomeloans.com/team/kfreer, verified 2026-10-09.
- credential: Member of Sacramento Association of REALTORS®. Source: https://www.empirehomeloans.com/team/kfreer, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO124670 | active | confirmed | 2023-12-06 | state_regulator | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Empire Home Loans (NMLS 1839243). Source: https://www.empirehomeloans.com/team/kfreer, 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/1096398

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/kfreer
- Office phone and Email on file: shown at https://lendb.ai/lo/margaret-freer-1096398#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1096398
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.empirehomeloans.com/team/kfreer

Cite as: Kelly Freer (NMLS 1096398), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/margaret-freer-1096398, last verified 2026-10-09.

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