{
  "canonical_url": "https://lendb.ai/lo/melissa-alvarado-2014989",
  "lede": {
    "text": "Based in Virginia, Melissa Alvarado (NMLS 2014989) is a Mortgage Loan Officer at Buckingham Mortgage LLC, licensed in Florida since 2021 and in Texas and Maryland.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Melissa licensed in Virginia?",
      "a": "Buckingham Mortgage LLC's page for Melissa lists Virginia. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. LenDb has 3 other states on file for Melissa.",
      "fields": [
        "licenses"
      ],
      "source": "lender page",
      "source_url": "https://www.bfgusa.com/team-member/melissa-alvarado/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What lender does Melissa work for?",
      "a": "Buckingham Mortgage LLC, company NMLS 1124970, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.bfgusa.com/team-member/melissa-alvarado/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Melissa been licensed?",
      "a": "The earliest state license record LenDb holds for Melissa is from February 25, 2021 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
      "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": 2014989,
    "slug": "melissa-alvarado-2014989",
    "canonical_url": "https://lendb.ai/lo/melissa-alvarado-2014989",
    "md_url": "https://lendb.ai/lo/melissa-alvarado-2014989.md",
    "json_url": "https://lendb.ai/lo/melissa-alvarado-2014989.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2014989",
    "full_name": {
      "value": "Melissa Alvarado",
      "source": "state_regulator",
      "source_url": "https://www.bfgusa.com/team-member/melissa-alvarado/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Melissa",
    "last_name": "Alvarado",
    "headshot_url": null,
    "bio": null,
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "state_regulator",
      "source_url": "https://www.bfgusa.com/team-member/melissa-alvarado/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://www.bfgusa.com/team-member/melissa-alvarado/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 45,
    "current_employment": {
      "lender_nmls_id": 1124970,
      "lender_name": "Buckingham Mortgage LLC",
      "lender_slug": "buckingham-mortgage-llc-1124970",
      "branch_city": null,
      "branch_state": "VA",
      "branch_zip": "22102",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.bfgusa.com/team-member/melissa-alvarado/",
      "lender_type": "other",
      "source": "state_regulator",
      "source_url": "https://www.bfgusa.com/team-member/melissa-alvarado/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1124970,
        "lender_name": "Buckingham Mortgage LLC",
        "lender_slug": "buckingham-mortgage-llc-1124970",
        "branch_city": null,
        "branch_state": "VA",
        "branch_zip": "22102",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.bfgusa.com/team-member/melissa-alvarado/",
        "lender_type": "other",
        "source": "state_regulator",
        "source_url": "https://www.bfgusa.com/team-member/melissa-alvarado/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO82627",
        "status": "active",
        "issued_at": "2021-02-25",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2022-08-12",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "MD",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.labor.maryland.gov/finance/",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "md"
      },
      {
        "state": "VA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.bfgusa.com/team-member/melissa-alvarado/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/melissa-a-b3813aa1/",
        "source": "lender_site",
        "source_url": "https://www.bfgusa.com/team-member/melissa-alvarado/",
        "verified_at": "2026-10-15"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2020",
        "source": "lender_site",
        "source_url": "https://www.bfgusa.com/team-member/melissa-alvarado/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "Bachelor's in Political Science, University of Puerto Rico",
        "source": "lender_site",
        "source_url": "https://www.bfgusa.com/team-member/melissa-alvarado/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "Master's in Business Administration - Project Management, Strayer University in Virginia",
        "source": "lender_site",
        "source_url": "https://www.bfgusa.com/team-member/melissa-alvarado/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "Sales, marketing and leadership background",
        "source": "lender_site",
        "source_url": "https://www.bfgusa.com/team-member/melissa-alvarado/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 20:25:00.137651+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/melissa-alvarado-2014989#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://www.bfgusa.com/team-member/melissa-alvarado/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2021-02-25",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2021,
      "state": "FL"
    },
    "federal_registration": null
  }
}