---
canonical_url: https://lendb.ai/lo/michael-lara-448479
json_url: https://lendb.ai/lo/michael-lara-448479.json
nmls_id: 448479
last_verified: 2026-10-09
---

# Michael Lara

Senior Loan Officer at Embrace Home Loans, Tampa, FL. NMLS ID 448479 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/448479)).

**Summary:** Michael Lara (NMLS 448479) is Senior Loan Officer at Embrace Home Loans, based in Tampa, FL. Licensed in Florida, confirmed with the state regulator (license LO22189). Focus areas shown on the lender page: First-time buyer and Real estate investor. Licensed since 2013 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2013 (per Florida records). This is license history on file, not total experience.
- 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
- Profile: unclaimed
- Status: active

## Specialties

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.embracehomeloans.com/location/florida/tampa/michael-lara
- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.embracehomeloans.com/location/florida/tampa/michael-lara

## About

Michael serves families, first-time homebuyers, and real estate investors across Hillsborough County and Greater Tampa Bay from Riverview, Florida. He offers a broad range of loan programs including FHA, VA, USDA, Jumbo, non-conforming, bank statement, and condo financing.

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

## Facts from the lender page and intro

- service_area: Riverview, Brandon, Valrico, Apollo Beach, and surrounding communities in Hillsborough County and Greater Tampa Bay. Source: https://www.embracehomeloans.com/location/florida/tampa/michael-lara, verified 2026-10-09.
- community: Supports A Kid's Place and member of Buckhorn Springs Golf and Country Club. Source: https://www.embracehomeloans.com/location/florida/tampa/michael-lara, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO22189 | active | confirmed | 2013-11-08 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Embrace Home Loans (NMLS 2184), Tampa, FL. Source: https://www.embracehomeloans.com/location/florida/tampa/michael-lara, 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/448479

## Contact

- View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/florida/tampa/michael-lara
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-lara-448479#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/448479
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.embracehomeloans.com/location/florida/tampa/michael-lara

Cite as: Michael Lara (NMLS 448479), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/michael-lara-448479, last verified 2026-10-09.

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