---
canonical_url: https://lendb.ai/lo/paul-stivers-853982
json_url: https://lendb.ai/lo/paul-stivers-853982.json
nmls_id: 853982
last_verified: 2026-10-09
---

# Paul Stivers

Senior Loan Officer at Embrace Home Loans, Fairfax, VA. NMLS ID 853982 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/853982)).

**Summary:** Paul Stivers (NMLS 853982) is Senior Loan Officer at Embrace Home Loans, based in Fairfax, VA. Licensed in Florida, confirmed with the state regulator (license LO64595). Also lists Maryland, North Carolina and Virginia on the lender page (not yet checked with the state regulator). Licensed since 2019 (per Florida records). States 14 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2019 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 14 (source: https://www.embracehomeloans.com/location/virginia/fairfax/paul-stivers, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Maryland (MD, lender_reported), North Carolina (NC, lender_reported), Virginia (VA, 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
- Profile: unclaimed
- Status: active

## Specialties


## About

Paul has worked in the mortgage industry since 2012, bringing over a decade of lending expertise. He focuses on identifying clients' priorities and proposing tailored solutions while maintaining transparent communication and accessibility throughout the loan process.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 14. Source: https://www.embracehomeloans.com/location/virginia/fairfax/paul-stivers, verified 2026-10-09.
- years_experience: 2009. Source: https://www.embracehomeloans.com/location/virginia/fairfax/paul-stivers, verified 2026-10-09.
- credential: Named one of Washingtonian Magazine's Best Mortgage Pros in 2021. Source: https://www.embracehomeloans.com/location/virginia/fairfax/paul-stivers, verified 2026-10-09.
- education: Attended Old Dominion University and Virginia Tech for graduate degree. Source: https://www.embracehomeloans.com/location/virginia/fairfax/paul-stivers, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO64595 | active | confirmed | 2019-10-02 | state_regulator | 2026-10-09 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Embrace Home Loans (NMLS 2184), Fairfax, VA. Source: https://www.embracehomeloans.com/location/virginia/fairfax/paul-stivers, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/853982

## Contact

- View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/virginia/fairfax/paul-stivers
- Office phone and Email on file: shown at https://lendb.ai/lo/paul-stivers-853982#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/853982
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.embracehomeloans.com/location/virginia/fairfax/paul-stivers

Cite as: Paul Stivers (NMLS 853982), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/paul-stivers-853982, last verified 2026-10-09.

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