---
canonical_url: https://lendb.ai/lo/michele-prato-89891
json_url: https://lendb.ai/lo/michele-prato-89891.json
nmls_id: 89891
last_verified: 2026-10-11
---

# Michele Prato

Loan Officer at CMG Home Loans, Paramus, NJ. NMLS ID 89891 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/89891)).

**Summary:** Michele Prato (NMLS 89891) is Loan Officer at CMG Home Loans, based in Paramus, NJ. Focus areas shown on the lender page: First-time buyer, Renovation loan (203k / HomeStyle) and VA loan. Last verified 2026-10-11.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- 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 0.85, verified 2026-10-11. Source: https://www.cmghomeloans.com/mysite/michele-hendershot
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.85, verified 2026-10-11. Source: https://www.cmghomeloans.com/mysite/michele-hendershot
- **VA loan** (`va`): lender page, confidence 0.85, verified 2026-10-11. Source: https://www.cmghomeloans.com/mysite/michele-hendershot

## About

Michele has over a decade of mortgage origination experience and focuses on VA, first-time buyer and 203(k) renovation loans.

Source: LenDb summary of the lender page, verified 2026-10-11.

## Facts from the lender page and intro

- years_experience: over 10. Source: https://www.cmghomeloans.com/mysite/michele-hendershot, verified 2026-10-11.
- community: Active in the law enforcement community, including PBA meetings and fundraisers. Source: https://www.cmghomeloans.com/mysite/michele-hendershot, verified 2026-10-11.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: CMG Home Loans (NMLS 1820), Paramus, NJ. Source: https://www.cmghomeloans.com/mysite/michele-hendershot, verified 2026-10-11.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/89891

## Contact

- View profile at CMG Home Loans: https://www.cmghomeloans.com/mysite/michele-hendershot
- Office phone and Email on file: shown at https://lendb.ai/lo/michele-prato-89891#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/89891
- lender_site: https://www.cmghomeloans.com/mysite/michele-hendershot

Cite as: Michele Prato (NMLS 89891), CMG Home Loans. LenDb.ai, https://lendb.ai/lo/michele-prato-89891, last verified 2026-10-11.

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