Rachael Gaines

THE TURNKEY FOUNDATION INC. · Roseville, CA

NMLS ID 1171443 (opens in a new tab) · verify at NMLS Consumer Access

Rachael Gaines, NMLS 1171443, works as a mortgage loan officer at THE TURNKEY FOUNDATION INC. in Roseville, California and is licensed in California since 2018 and in Florida, Texas, Missouri and 2 more states.

Last verified . Sources: THE TURNKEY FOUNDATION INC. (sml.texas.gov), Florida state regulator, Texas state regulator, Missouri state regulator, Oregon state regulator, Wisconsin state regulator, California state regulator, Nevada state regulator and NMLS Consumer Access (license status, check live).

Quick answers

Is Rachael licensed in California?
Yes. California regulator records list license CA-DBO1171443 as active, first effective June 11, 2018 (verified 2026-10-24). LenDb has 5 other states on file for Rachael.
Source: California state regulator (opens in a new tab)
What lender does Rachael work for?
THE TURNKEY FOUNDATION INC., company NMLS 236669, from the Roseville, CA office, per the lender's own site (verified 2026-10-13).
Source: lender site (opens in a new tab)
How long has Rachael been licensed?
The earliest state license record LenDb holds for Rachael is from June 11, 2018 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
Source: California state regulator (opens in a new tab)

Specialties

Focus

No focus listed on their lender page yet.

    Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.

    Licensed states

    AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

    Florida, Texas, Missouri, Oregon, California, Nevada

    ✓ Confirmed with the state regulator: FL (opens in a new tab) (LO129903, first effective 2024-07-01), TX (opens in a new tab), MO (opens in a new tab), OR (opens in a new tab) (1171443, first effective 2024-05-10), CA DFPI (opens in a new tab) (CA-DBO1171443, first effective 2018-06-11), NV (opens in a new tab) (NMLO-100696, first effective 2023-03-20), verified 2026-10-15. Source: State of Missouri (see disclaimer).

    Regulator records not active: WI (expired).

    Contact

    No public business contact on file.

    We never see who you contact.

    Employment history

    1. THE TURNKEY FOUNDATION INC. NMLS 236669

      Current · Roseville, CA · seen on lender site 2026-10-13

    Disciplinary history

    Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

    Sources

    Name and employerstate regulator · sml.texas.gov (opens in a new tab)verified 2026-10-13
    Licenses (regulator)state regulator · mld.nv.gov (opens in a new tab)verified 2026-10-31
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: Rachael Gaines (NMLS 1171443), THE TURNKEY FOUNDATION INC.. LenDb.ai, https://lendb.ai/lo/rachael-gaines-1171443, last verified 2026-10-31.

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