---
canonical_url: https://lendb.ai/lo/racheal-jurgens-1835406
json_url: https://lendb.ai/lo/racheal-jurgens-1835406.json
nmls_id: 1835406
last_verified: 2026-10-09
---

# Racheal Jurgens

Loan Officer at Empire Home Loans, Fair Oaks, CA. NMLS ID 1835406 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1835406)).

**Summary:** Racheal Jurgens (NMLS 1835406) is Loan Officer at Empire Home Loans, based in Fair Oaks, CA. Lists California on the lender page (not yet checked with the state regulator). Earliest state license record: June 30, 2021 (Florida), per state regulator. States 5 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: June 30, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 5 (source: https://www.empirehomeloans.com/team/racheal, verified 2026-10-09)
- Licensed in: California (CA, 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

Over five years of mortgage experience with a passion for helping service members and veterans. Passionate about client storytelling and enabling homeownership goals.

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

## Facts from the lender page and intro

- years_experience: 5. Source: https://www.empirehomeloans.com/team/racheal, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO90490 | expired | confirmed | 2021-06-30 | state_regulator | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Empire Home Loans (NMLS 1839243), Fair Oaks, CA. Source: https://www.empirehomeloans.com/team/racheal, 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/1835406

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/racheal
- Email on file: shown at https://lendb.ai/lo/racheal-jurgens-1835406#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1835406
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.empirehomeloans.com/team/racheal

Cite as: Racheal Jurgens (NMLS 1835406), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/racheal-jurgens-1835406, last verified 2026-10-09.

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