---
canonical_url: https://lendb.ai/lo/rafaela-almeida-1276638
json_url: https://lendb.ai/lo/rafaela-almeida-1276638.json
nmls_id: 1276638
last_verified: 2026-10-09
---

# Rafaela Almeida

Senior Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), Somerville, MA. NMLS ID 1276638 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1276638)).

**Summary:** Rafaela Almeida (NMLS 1276638) is Senior Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), based in Somerville, MA. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: Down payment assistance, Self-employed, VA loan and First-time buyer. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.85, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ma/somerville/702-grand-union-blvd-hla-1276638
- **Self-employed** (`self-employed`): lender page, confidence 0.38, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ma/somerville/702-grand-union-blvd-hla-1276638
- **VA loan** (`va`): lender page, confidence 0.29, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ma/somerville/702-grand-union-blvd-hla-1276638
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ma/somerville/702-grand-union-blvd-hla-1276638

## About

Rafaela serves the Somerville, MA area with 11 years of experience as a Senior Home Lending Advisor. She specializes in lending to self-employed clients and first-time homebuyer programs.

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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: JPMorgan Chase Bank (Chase Home Lending) (NMLS 399798), Somerville, MA. Source: https://homelendingadvisor.chase.com/ma/somerville/702-grand-union-blvd-hla-1276638, 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/1276638

## Contact

- linkedin_url: https://www.linkedin.com/in/rafaela-almeida-346a13a2/ (source: lender_site, verified 2026-10-09)
- View profile at JPMorgan Chase Bank (Chase Home Lending): https://homelendingadvisor.chase.com/ma/somerville/702-grand-union-blvd-hla-1276638
- Office phone and Email on file: shown at https://lendb.ai/lo/rafaela-almeida-1276638#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1276638
- lender_site: https://homelendingadvisor.chase.com/ma/somerville/702-grand-union-blvd-hla-1276638

Cite as: Rafaela Almeida (NMLS 1276638), JPMorgan Chase Bank (Chase Home Lending). LenDb.ai, https://lendb.ai/lo/rafaela-almeida-1276638, last verified 2026-10-09.

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