---
canonical_url: https://lendb.ai/lo/raymond-goulart-4870
json_url: https://lendb.ai/lo/raymond-goulart-4870.json
nmls_id: 4870
last_verified: 2026-10-09
---

# Ray Goulart

Senior Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), New Bedford, MA. NMLS ID 4870 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/4870)).

**Summary:** Ray Goulart (NMLS 4870) is Senior Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), based in New Bedford, 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: Vacation home, FHA loan, Jumbo loan and First-time buyer. Speaks Portuguese. Earliest state license record: November 21, 2022 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: November 21, 2022 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or 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: Portuguese
- Profile: unclaimed
- Status: active

## Specialties

- **Vacation home** (`vacation-home`): lender page, confidence 0.70, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ma/new-bedford/448-dartmouth-st-hla-4870
- **FHA loan** (`fha`): lender page, confidence 0.43, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ma/new-bedford/448-dartmouth-st-hla-4870
- **Jumbo loan** (`jumbo`): lender page, confidence 0.14, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ma/new-bedford/448-dartmouth-st-hla-4870
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ma/new-bedford/448-dartmouth-st-hla-4870

## About

Ray has 25 years of experience as a Senior Home Lending Advisor serving Rhode Island and Greater Boston, with fluency in Portuguese. Specializes in preapproval, FHA mortgages, vacation home financing, and first-time homebuyer programs.

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

## Facts from the lender page and intro

- service_area: Rhode Island and Greater Boston. Source: https://homelendingadvisor.chase.com/ma/new-bedford/448-dartmouth-st-hla-4870, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO115333 | expired | confirmed | 2022-11-21 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: JPMorgan Chase Bank (Chase Home Lending) (NMLS 399798), New Bedford, MA. Source: https://homelendingadvisor.chase.com/ma/new-bedford/448-dartmouth-st-hla-4870, 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/4870

## Contact

- View profile at JPMorgan Chase Bank (Chase Home Lending): https://homelendingadvisor.chase.com/ma/new-bedford/448-dartmouth-st-hla-4870
- Office phone and Email on file: shown at https://lendb.ai/lo/raymond-goulart-4870#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/4870
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://homelendingadvisor.chase.com/ma/new-bedford/448-dartmouth-st-hla-4870

Cite as: Ray Goulart (NMLS 4870), JPMorgan Chase Bank (Chase Home Lending). LenDb.ai, https://lendb.ai/lo/raymond-goulart-4870, last verified 2026-10-09.

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