{
  "canonical_url": "https://lendb.ai/lo/michelle-spera-1952548",
  "loan_officer": {
    "nmls_id": 1952548,
    "slug": "michelle-spera-1952548",
    "canonical_url": "https://lendb.ai/lo/michelle-spera-1952548",
    "md_url": "https://lendb.ai/lo/michelle-spera-1952548.md",
    "json_url": "https://lendb.ai/lo/michelle-spera-1952548.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1952548",
    "full_name": {
      "value": "Michelle Spera",
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/fl/verobeach/michelle-spera-299-hpmsp.html",
      "verified_at": "2026-10-09"
    },
    "first_name": "Michelle",
    "last_name": "Spera",
    "headshot_url": {
      "value": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/hpmsp-michelle-spera.jpg",
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/fl/verobeach/michelle-spera-299-hpmsp.html",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Michelle is bilingual in English and Spanish and is passionate about helping clients feel confident and supported throughout the home financing process.",
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/fl/verobeach/michelle-spera-299-hpmsp.html",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Originating LOA",
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/fl/verobeach/michelle-spera-299-hpmsp.html",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [
        "es"
      ],
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/fl/verobeach/michelle-spera-299-hpmsp.html",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 5,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 3274,
      "lender_name": "Guild Mortgage",
      "lender_slug": "guild-mortgage-3274",
      "branch_city": "Vero Beach",
      "branch_state": "FL",
      "branch_zip": "32963",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://branches.guildmortgage.com/fl/verobeach/michelle-spera-299-hpmsp.html",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/fl/verobeach/michelle-spera-299-hpmsp.html",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3274,
        "lender_name": "Guild Mortgage",
        "lender_slug": "guild-mortgage-3274",
        "branch_city": "Vero Beach",
        "branch_state": "FL",
        "branch_zip": "32963",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://branches.guildmortgage.com/fl/verobeach/michelle-spera-299-hpmsp.html",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/fl/verobeach/michelle-spera-299-hpmsp.html",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO89456",
        "status": "active",
        "issued_at": "2021-06-14",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 00:57:11.613014+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/michelle-spera-1952548#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://branches.guildmortgage.com/fl/verobeach/michelle-spera-299-hpmsp.html",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2021,
      "state": "FL"
    },
    "federal_registration": null
  }
}