--- canonical_url: https://lendb.ai/lo/michael-aguado-1230742 json_url: https://lendb.ai/lo/michael-aguado-1230742.json nmls_id: 1230742 last_verified: 2026-10-15 --- # Michael Aguado Mortgage Loan Originator at Trident Home Loans, Pensacola, FL. NMLS ID 1230742 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1230742)). Based in Pensacola, Florida, Michael Aguado (NMLS 1230742) is a Mortgage Loan Originator at Trident Home Loans, licensed in Florida since 2025. Michael's focus, from their own profile, includes VA loan. **Summary:** Michael Aguado (NMLS 1230742) is Mortgage Loan Originator at Trident Home Loans, based in Pensacola, FL. Licensed in Florida, confirmed with the state regulator (license LO142052). Focus areas shown on the lender page: VA loan. Trident Home Loans also offers Condo, Construction loan, FHA loan, Real estate investor and Jumbo loan and 4 more (a lender program, not confirmed as their own focus). Earliest state license record: October 15, 2025 (Florida), per state regulator. Last verified 2026-10-15. ## Quick answers ### Is Michael licensed in Florida? Yes. Florida regulator records list license LO142052 as active, first effective October 15, 2025 (verified 2026-10-15). Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ### Does Michael do VA loans? Michael's profile lists VA loan as a focus (from their lender profile page). Source: https://tridenthomeloans.com/michael-aguado/. ### What lender does Michael work for? Trident Home Loans, company NMLS 65716, from the Pensacola, FL office, per the lender's own site (verified 2026-10-15). Source: https://tridenthomeloans.com/michael-aguado/. ### How long has Michael been licensed? The earliest state license record LenDb holds for Michael is from October 15, 2025 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ## At a glance - Earliest state license record: October 15, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Also licensed as (state regulator records, same NMLS ID): Michael R. Aguado (FL, as of 2026-10-09) - Licensed in: Florida (FL, confirmed) - 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 (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.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - **VA loan** (`va`): from their lender profile page, confidence 0.75, verified 2026-10-26. Source: https://tridenthomeloans.com/michael-aguado/ ### Their lender offers (lender level: Trident Home Loans's programs, not confirmed as this person's focus) - **Condo** (`condo`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Construction loan** (`construction`): verified 2026-10-15. Source: https://tridenthomeloans.com - **FHA loan** (`fha`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Real estate investor** (`investor`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Jumbo loan** (`jumbo`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Low credit score** (`low-credit`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-15. Source: https://tridenthomeloans.com - **USDA loan** (`usda`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Vacation home** (`vacation-home`): verified 2026-10-15. Source: https://tridenthomeloans.com ## About Michael has a strong background in VA home loans and is a U.S. Navy corpsman veteran who was honored as Junior Sailor of the Year. Source: LenDb summary of the lender page, verified 2026-10-15. ## Facts from the lender page and intro - credential: Junior Sailor of the Year. Source: https://tridenthomeloans.com/michael-aguado/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO142052 | active | confirmed | 2025-10-15 | state_regulator | 2026-10-15 | ## Employment history - ? to present: Trident Home Loans (NMLS 65716), Pensacola, FL. Source: https://tridenthomeloans.com/michael-aguado/, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1230742 ## Contact - View profile at Trident Home Loans: https://tridenthomeloans.com/michael-aguado/ - Office phone and Email on file: shown at https://lendb.ai/lo/michael-aguado-1230742#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1230742 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - lender_site: https://tridenthomeloans.com/michael-aguado/ - lender_site (lender programs): https://tridenthomeloans.com Cite as: Michael Aguado (NMLS 1230742), Trident Home Loans. LenDb.ai, https://lendb.ai/lo/michael-aguado-1230742, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._