--- canonical_url: https://lendb.ai/lo/rebekah-balkcom-killgo-20278 json_url: https://lendb.ai/lo/rebekah-balkcom-killgo-20278.json nmls_id: 20278 last_verified: 2026-10-15 --- # Rebekah Killgo VP of Lending at Lower, Milton, GA. NMLS ID 20278 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/20278)). **Summary:** Rebekah Killgo (NMLS 20278) is VP of Lending at Lower, based in Milton, GA. Licensed in 3 states confirmed with state regulators: Florida, Connecticut and Texas. Also lists Alaska, Alabama, Arkansas, Arizona, California, Colorado, District of Columbia, Delaware and 34 more on the lender page (not yet checked with the state regulator). Lower also offers FHA loan, First-time buyer, HELOC, Real estate investor and Jumbo loan and 5 more (a lender program, not confirmed as their own focus). Earliest state license record: February 10, 2021 (Florida), per state regulator. Last verified 2026-10-15. ## At a glance - Earliest state license record: February 10, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Licensed in: Florida (FL, confirmed), Alaska (AK, lender_reported), Alabama (AL, lender_reported), Arkansas (AR, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), Colorado (CO, lender_reported), Connecticut (CT, confirmed), District of Columbia (DC, lender_reported), Delaware (DE, lender_reported), Georgia (GA, lender_reported), Iowa (IA, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Kansas (KS, lender_reported), Kentucky (KY, lender_reported), Louisiana (LA, lender_reported), Massachusetts (MA, lender_reported), Maryland (MD, lender_reported), Maine (ME, lender_reported), Michigan (MI, lender_reported), Minnesota (MN, lender_reported), Missouri (MO, lender_reported), Mississippi (MS, lender_reported), Montana (MT, lender_reported), North Carolina (NC, lender_reported), North Dakota (ND, lender_reported), Nebraska (NE, lender_reported), New Hampshire (NH, lender_reported), New Jersey (NJ, lender_reported), New Mexico (NM, lender_reported), Nevada (NV, lender_reported), Ohio (OH, lender_reported), Oklahoma (OK, lender_reported), Oregon (OR, lender_reported), Pennsylvania (PA, lender_reported), South Dakota (SD, lender_reported), Tennessee (TN, lender_reported), Utah (UT, lender_reported), Virginia (VA, lender_reported), Washington (WA, lender_reported), Wisconsin (WI, lender_reported), West Virginia (WV, lender_reported), Wyoming (WY, lender_reported), Texas (TX, confirmed) - Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot - 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 ### Focus (officer level: their own bio, title, certification, specialty list or claim) - None on file yet. ### Their lender offers (lender level: Lower's programs, not confirmed as this person's focus) - **FHA loan** (`fha`): verified 2026-10-10. Source: https://www.lower.com - **First-time buyer** (`first-time-buyer`): verified 2026-10-10. Source: https://www.lower.com - **HELOC** (`heloc`): verified 2026-10-10. Source: https://www.lower.com - **Real estate investor** (`investor`): verified 2026-10-10. Source: https://www.lower.com - **Jumbo loan** (`jumbo`): verified 2026-10-10. Source: https://www.lower.com - **Non-QM loan** (`non-qm`): verified 2026-10-10. Source: https://www.lower.com - **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-10. Source: https://www.lower.com - **USDA loan** (`usda`): verified 2026-10-10. Source: https://www.lower.com - **VA loan** (`va`): verified 2026-10-10. Source: https://www.lower.com - **Vacation home** (`vacation-home`): verified 2026-10-10. Source: https://www.lower.com ## About Has been helping homebuyers and homeowners since 2005 and has closed more than $4.3 billion in home loans. Licensed in multiple states. Source: LenDb summary of the lender page, verified 2026-10-10. ## Facts from the lender page and intro - years_experience: since 2005. Source: https://www.lower.com/loan-officers/georgia/roswell/rebekah-killgo, verified 2026-10-10. - other: closed more than $4.3 billion in home loans. Source: https://www.lower.com/loan-officers/georgia/roswell/rebekah-killgo, verified 2026-10-10. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO81666 | active | confirmed | 2021-02-10 | state_regulator | 2026-10-15 | | AK | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | AR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | CO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | CT | state_license | LO-20278 | active | confirmed | | state_regulator | 2026-10-15 | | DC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | DE | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | IA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | KS | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | KY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | LA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | ME | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MS | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | ND | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | NE | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | NH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | NJ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | NM | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | NV | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | OK | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | OR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | PA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | SD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | UT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | WI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | WV | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | WY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | TX | state_license | n/a | active | confirmed | 2021-09-08 | state_regulator | 2026-10-13 | | NY | state_license | n/a | expired | confirmed | | state_regulator | 2026-10-14 | ## Employment history - ? to present: Lower (NMLS 1124061), Milton, GA. Source: https://www.lower.com/loan-officers/georgia/roswell/rebekah-killgo, verified 2026-10-10. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/20278 ## Contact - View profile at Lower: https://www.lower.com/loan-officers/georgia/roswell/rebekah-killgo - Office phone and Email on file: shown at https://lendb.ai/lo/rebekah-balkcom-killgo-20278#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/20278 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - lender_site: https://www.lower.com/loan-officers/georgia/roswell/rebekah-killgo - state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://www.dfs.ny.gov/ - lender_site (lender programs): https://www.lower.com - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Rebekah Killgo (NMLS 20278), Lower. LenDb.ai, https://lendb.ai/lo/rebekah-balkcom-killgo-20278, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._