--- canonical_url: https://lendb.ai/lo/miguel-fernandez-516256 json_url: https://lendb.ai/lo/miguel-fernandez-516256.json nmls_id: 516256 last_verified: 2026-10-20 --- # Mike Fernandez Loan Originator at Barrett Financial Group, Gilbert, AZ. NMLS ID 516256 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/516256)). Mike Fernandez (NMLS 516256) is a Loan Originator at Barrett Financial Group in Gilbert, Arizona, licensed in Florida since 2017. Mike speaks English and Spanish. **Summary:** Mike Fernandez (NMLS 516256) is Loan Originator at Barrett Financial Group, based in Gilbert, AZ. Licensed in Florida, confirmed with the state regulator (license LO48320). Also lists Georgia and Tennessee on the lender page (not yet checked with the state regulator). Barrett Financial Group also offers FHA loan, HELOC, Jumbo loan, Non-QM loan and Reverse mortgage and 2 more (a lender program, not confirmed as their own focus). Speaks English and Spanish. Earliest state license record: November 15, 2017 (Florida), per state regulator. Last verified 2026-10-20. ## Quick answers ### Is Mike licensed in Florida? Yes. Florida regulator records list license LO48320 as active, first effective November 15, 2017 (verified 2026-10-15). LenDb has 2 other states on file for Mike. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ### What lender does Mike work for? Barrett Financial Group, company NMLS 181106, from the Gilbert, AZ office, per the lender's own site (verified 2026-10-20). Source: https://www.barrettfinancial.com/mike-fernandez. ### What languages does Mike speak? English and Spanish, per their lender page (verified 2026-10-20). Source: https://www.barrettfinancial.com/mike-fernandez. ### How long has Mike been licensed? The earliest state license record LenDb holds for Mike is from November 15, 2017 (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: November 15, 2017 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Licensed in: Florida (FL, confirmed), Georgia (GA, lender_reported), Tennessee (TN, 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: English, Spanish (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) - None on file yet. ### Their lender offers (lender level: Barrett Financial Group's programs, not confirmed as this person's focus) - **FHA loan** (`fha`): verified 2026-10-09. Source: https://www.barrettfinancial.com - **HELOC** (`heloc`): verified 2026-10-09. Source: https://www.barrettfinancial.com - **Jumbo loan** (`jumbo`): verified 2026-10-09. Source: https://www.barrettfinancial.com - **Non-QM loan** (`non-qm`): verified 2026-10-09. Source: https://www.barrettfinancial.com - **Reverse mortgage** (`reverse`): verified 2026-10-09. Source: https://www.barrettfinancial.com - **USDA loan** (`usda`): verified 2026-10-09. Source: https://www.barrettfinancial.com - **VA loan** (`va`): verified 2026-10-09. Source: https://www.barrettfinancial.com ## About Mike Fernandez has helped clients with home financing since 1998 and previously worked as a sales manager and home mortgage consultant. They are licensed in TN, GA and FL and are fluent in Spanish as well as English. Source: LenDb summary of the lender page, verified 2026-10-20. ## Facts from the lender page and intro - years_experience: since 1998. Source: https://www.barrettfinancial.com/mike-fernandez, verified 2026-10-20. - role: Senior Loan Originator. Source: https://www.barrettfinancial.com/mike-fernandez, verified 2026-10-20. - role: Previously Sales Manager, Mortgage Sales Manager and Home Mortgage Consultant. Source: https://www.barrettfinancial.com/mike-fernandez, verified 2026-10-20. - service_area: Tennessee, Georgia and Florida. Source: https://www.barrettfinancial.com/mike-fernandez, verified 2026-10-20. - service_area: Chattanooga, TN. Source: https://www.barrettfinancial.com/mike-fernandez, verified 2026-10-20. - community: Coaches his son in baseball and wrestling. Source: https://www.barrettfinancial.com/mike-fernandez, verified 2026-10-20. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO48320 | active | confirmed | 2017-11-15 | state_regulator | 2026-10-15 | | GA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-20 | | TN | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-20 | ## Employment history - ? to present: Barrett Financial Group (NMLS 181106), Gilbert, AZ. Source: https://www.barrettfinancial.com/mike-fernandez, verified 2026-10-20. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/516256 ## Contact - View profile at Barrett Financial Group: https://www.barrettfinancial.com/mike-fernandez - Email on file: shown at https://lendb.ai/lo/miguel-fernandez-516256#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/516256 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - lender_site: https://www.barrettfinancial.com/mike-fernandez - lender_site (lender programs): https://www.barrettfinancial.com Cite as: Mike Fernandez (NMLS 516256), Barrett Financial Group. LenDb.ai, https://lendb.ai/lo/miguel-fernandez-516256, last verified 2026-10-20. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._