---
canonical_url: https://lendb.ai/lo/matthew-sines-706232
json_url: https://lendb.ai/lo/matthew-sines-706232.json
nmls_id: 706232
last_verified: 2026-10-09
---

# Matt Sines

Senior Loan Officer at Guild Mortgage, Pensacola, FL. NMLS ID 706232 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/706232)).

**Summary:** Matt Sines (NMLS 706232) is Senior Loan Officer at Guild Mortgage, based in Pensacola, FL. Licensed in Florida, confirmed with the state regulator (license LO98286). Also lists Alabama, District of Columbia, Maryland, Tennessee and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, Jumbo loan and VA loan. Licensed since 2021 (per Florida records). States 15 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2021 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 15 (source: https://branches.guildmortgage.com/fl/pensacola/matt-sines-9-chmsi.html, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), District of Columbia (DC, lender_reported), Maryland (MD, lender_reported), Tennessee (TN, lender_reported), Virginia (VA, 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

- **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://branches.guildmortgage.com/fl/pensacola/matt-sines-9-chmsi.html
- **Jumbo loan** (`jumbo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://branches.guildmortgage.com/fl/pensacola/matt-sines-9-chmsi.html
- **VA loan** (`va`): lender page, confidence 0.68, verified 2026-10-09. Source: https://branches.guildmortgage.com/fl/pensacola/matt-sines-9-chmsi.html

## About

Matt has over 15 years of mortgage and home lending experience. Based in Pensacola with deep roots in the DC metro area, he serves clients across Florida and specializes 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: 15. Source: https://branches.guildmortgage.com/fl/pensacola/matt-sines-9-chmsi.html, verified 2026-10-09.
- service_area: Florida and beyond, with DC metro expertise. Source: https://branches.guildmortgage.com/fl/pensacola/matt-sines-9-chmsi.html, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO98286 | active | confirmed | 2021-11-30 | state_regulator | 2026-10-09 |
| AL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| DC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Guild Mortgage (NMLS 3274), Pensacola, FL. Source: https://branches.guildmortgage.com/fl/pensacola/matt-sines-9-chmsi.html, 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/706232

## Contact

- View profile at Guild Mortgage: https://branches.guildmortgage.com/fl/pensacola/matt-sines-9-chmsi.html
- Office phone and Email on file: shown at https://lendb.ai/lo/matthew-sines-706232#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/706232
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://branches.guildmortgage.com/fl/pensacola/matt-sines-9-chmsi.html

Cite as: Matt Sines (NMLS 706232), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/matthew-sines-706232, last verified 2026-10-09.

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