--- canonical_url: https://lendb.ai/lo/michelle-garber-1511369 json_url: https://lendb.ai/lo/michelle-garber-1511369.json nmls_id: 1511369 last_verified: 2026-10-26 --- # Michelle Garber Mortgage Advisor at Advantage Mortgage, Inc., Keizer, OR. NMLS ID 1511369 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1511369)). Michelle Garber (NMLS 1511369) is a Mortgage Advisor at Advantage Mortgage, Inc. in Keizer, Oregon, licensed in Oregon since 2018 and in Florida and California. Michelle's own profile lists manufactured home as a focus. **Summary:** Michelle Garber (NMLS 1511369) is Mortgage Advisor at Advantage Mortgage, Inc., based in Keizer, OR. Licensed in 3 states confirmed with state regulators: Florida, California and Oregon. Also lists Idaho and Washington on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Manufactured home. Earliest state license record: November 5, 2018 (Oregon), per state regulator. States 8 years of experience. Last verified 2026-10-26. ## Quick answers ### Is Michelle licensed in Oregon? Yes. Oregon regulator records list a license as active, first effective November 5, 2018 (verified 2026-10-20). LenDb has 4 other states on file for Michelle. Source: https://dfr.oregon.gov/. ### Does Michelle work on manufactured home loans? Michelle's profile lists manufactured home as a focus (from their lender profile page). Source: https://findtheadvantage.com/loan-officer/michelle-garber/. ### What lender does Michelle work for? Advantage Mortgage, Inc., company NMLS 1770599, from the Keizer, OR office, per the lender's own site (verified 2026-10-26). Source: https://findtheadvantage.com/loan-officer/michelle-garber/. ### How long has Michelle been licensed? The earliest state license record LenDb holds for Michelle is from November 5, 2018 (Oregon regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Michelle states 8 years of experience. Source: https://dfr.oregon.gov/. ## At a glance - Earliest state license record: November 5, 2018 (Oregon), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 8 (source: https://findtheadvantage.com/loan-officer/michelle-garber/, verified 2026-10-26) - Also licensed as (state regulator records, same NMLS ID): Michelle L. Garber (CA, FL, OR, as of 2026-10-22) - Licensed in: Florida (FL, confirmed), California (CA DFPI, confirmed), Oregon (OR, confirmed), Idaho (ID, lender_reported), Washington (WA, 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 (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) - **Manufactured home** (`manufactured`): from their lender profile page, confidence 0.90, verified 2026-10-26. Source: https://findtheadvantage.com/loan-officer/michelle-garber/ ## Facts from the lender page and intro - years_experience: 8. Source: https://findtheadvantage.com/loan-officer/michelle-garber/, verified 2026-10-26. - other: 6 years specializing in manufactured home lending. Source: https://findtheadvantage.com/loan-officer/michelle-garber/, verified 2026-10-26. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO143543 | active | confirmed | 2025-12-16 | state_regulator | 2026-10-15 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI1511369 | active | confirmed | 2023-12-05 | state_regulator | 2026-10-24 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2018-11-05 | state_regulator | 2026-10-20 | | ID | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-26 | | WA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-26 | ## Employment history - ? to present: Advantage Mortgage, Inc. (NMLS 1770599), Keizer, OR. Source: https://findtheadvantage.com/loan-officer/michelle-garber/, verified 2026-10-26. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1511369 ## Contact - View profile at Advantage Mortgage, Inc.: https://findtheadvantage.com/loan-officer/michelle-garber/ - Office phone and Email on file: shown at https://lendb.ai/lo/michelle-garber-1511369#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1511369 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://dfpi.ca.gov/ - state_regulator: https://dfr.oregon.gov/ - lender_site: https://findtheadvantage.com/loan-officer/michelle-garber/ Cite as: Michelle Garber (NMLS 1511369), Advantage Mortgage, Inc.. LenDb.ai, https://lendb.ai/lo/michelle-garber-1511369, last verified 2026-10-26. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._