{
  "canonical_url": "https://lendb.ai/lo/monica-proenza-2485041",
  "lede": {
    "text": "Based in Chandler, Arizona, Monica Proenza (NMLS 2485041) is a Loan Originator at Barrett Financial Group, serving Indiana. Monica's focus, from their own profile, includes first-time buyer, down payment assistance and ITIN borrower, and Monica speaks English and Spanish.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "specialties",
      "languages"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Monica licensed in Indiana?",
      "a": "Barrett Financial Group's page for Monica lists Indiana. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access.",
      "fields": [
        "licenses"
      ],
      "source": "lender page",
      "source_url": "https://www.barrettfinancial.com/mproenza",
      "verified_at": "2026-10-20"
    },
    {
      "q": "Does Monica list first-time buyer as a focus?",
      "a": "Monica's profile lists first-time buyer as a focus (from their lender profile page). It also lists down payment assistance and ITIN borrower.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://www.barrettfinancial.com/mproenza",
      "verified_at": "2026-10-20"
    },
    {
      "q": "What lender does Monica work for?",
      "a": "Barrett Financial Group, company NMLS 181106, from the Chandler, AZ office, per the lender's own site (verified 2026-10-20).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.barrettfinancial.com/mproenza",
      "verified_at": "2026-10-20"
    },
    {
      "q": "What languages does Monica speak?",
      "a": "English and Spanish, per their lender page (verified 2026-10-20).",
      "fields": [
        "languages"
      ],
      "source": "lender page",
      "source_url": "https://www.barrettfinancial.com/mproenza",
      "verified_at": "2026-10-20"
    },
    {
      "q": "How much experience does Monica have?",
      "a": "Monica states 18 years of experience.",
      "fields": [
        "years_experience"
      ],
      "source": "the loan officer's own statement",
      "source_url": "https://www.barrettfinancial.com/mproenza",
      "verified_at": "2026-10-20"
    }
  ],
  "field_notes": {
    "languages": "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."
  },
  "loan_officer": {
    "nmls_id": 2485041,
    "slug": "monica-proenza-2485041",
    "canonical_url": "https://lendb.ai/lo/monica-proenza-2485041",
    "md_url": "https://lendb.ai/lo/monica-proenza-2485041.md",
    "json_url": "https://lendb.ai/lo/monica-proenza-2485041.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2485041",
    "full_name": {
      "value": "Monica Proenza",
      "source": "lender_site",
      "source_url": "https://www.barrettfinancial.com/mproenza",
      "verified_at": "2026-10-20"
    },
    "first_name": "Monica",
    "last_name": "Proenza",
    "headshot_url": {
      "value": "https://di1v4rx98wr59.cloudfront.net/0a4e3d21ffa3b/b908ba0b5818d020dbbf2d28a3f59a86a6f467c2.png",
      "source": "lender_site",
      "source_url": "https://www.barrettfinancial.com/mproenza",
      "verified_at": "2026-10-20"
    },
    "bio": null,
    "title": {
      "value": "Loan Originator",
      "source": "lender_site",
      "source_url": "https://www.barrettfinancial.com/mproenza",
      "verified_at": "2026-10-20"
    },
    "languages": {
      "value": [
        "en",
        "es"
      ],
      "source": "lender_site",
      "source_url": "https://www.barrettfinancial.com/mproenza",
      "verified_at": "2026-10-20"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 18,
      "source": "lender_site",
      "source_url": "https://www.barrettfinancial.com/mproenza",
      "verified_at": "2026-10-20"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 181106,
      "lender_name": "Barrett Financial Group",
      "lender_slug": "barrett-financial-181106",
      "branch_city": "Chandler",
      "branch_state": "AZ",
      "branch_zip": "85286",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.barrettfinancial.com/mproenza",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.barrettfinancial.com/mproenza",
      "verified_at": "2026-10-20"
    },
    "employment_history": [
      {
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "lender_slug": "barrett-financial-181106",
        "branch_city": "Chandler",
        "branch_state": "AZ",
        "branch_zip": "85286",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.barrettfinancial.com/mproenza",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mproenza",
        "verified_at": "2026-10-20"
      }
    ],
    "licenses": [
      {
        "state": "IN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mproenza",
        "verified_at": "2026-10-20",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mproenza",
        "verified_at": "2026-10-20"
      },
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mproenza",
        "verified_at": "2026-10-20"
      },
      {
        "slug": "itin",
        "label": "ITIN borrower",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mproenza",
        "verified_at": "2026-10-20"
      }
    ],
    "lender_offers": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "heloc",
        "label": "HELOC",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/monica-guerra-469b77131/",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mproenza",
        "verified_at": "2026-10-20"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "18",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mproenza",
        "verified_at": "2026-10-20"
      },
      {
        "kind": "role",
        "value": "Licensed real estate agent in Florida before becoming a loan officer",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mproenza",
        "verified_at": "2026-10-20"
      },
      {
        "kind": "service_area",
        "value": "Indiana",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mproenza",
        "verified_at": "2026-10-20"
      }
    ],
    "last_verified_at": "2026-10-20",
    "updated_at": "2026-10-20 09:48:32.024715+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/monica-proenza-2485041#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://www.barrettfinancial.com/mproenza",
      "verified_at": "2026-10-20"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}