---
canonical_url: https://lendb.ai/lo/richard-kadar-227721
json_url: https://lendb.ai/lo/richard-kadar-227721.json
nmls_id: 227721
last_verified: 2026-10-09
---

# Rick Kadar

Loan Officer at Empire Home Loans, Fair Oaks, CA. NMLS ID 227721 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/227721)).

**Summary:** Rick Kadar (NMLS 227721) is Loan Officer at Empire Home Loans, based in Fair Oaks, CA. Focus areas shown on the lender page: VA loan. Earliest state license record: January 23, 2014 (Florida), per state regulator. States 30 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: January 23, 2014 (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): 30 (source: https://www.empirehomeloans.com/team/rkadar, verified 2026-10-09)
- Licensed in: no license list on file; check NMLS Consumer Access
- 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

- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/rkadar

## About

Rick brings over 30 years of real estate and mortgage experience, built on service as a U.S. Air Force combat pilot and military veteran. Known as "the Payment Professor," he specializes in VA home loan benefits for active-duty and veteran service members.

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

## Facts from the lender page and intro

- years_experience: 30. Source: https://www.empirehomeloans.com/team/rkadar, verified 2026-10-09.
- role: United States Air Force combat pilot and military veteran. Source: https://www.empirehomeloans.com/team/rkadar, verified 2026-10-09.
- credential: VA home loan guaranty benefits advisor. Source: https://www.empirehomeloans.com/team/rkadar, verified 2026-10-09.
- other: Known as "the Payment Professor". Source: https://www.empirehomeloans.com/team/rkadar, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO23150 | expired | confirmed | 2014-01-23 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Empire Home Loans (NMLS 1839243), Fair Oaks, CA. Source: https://www.empirehomeloans.com/team/rkadar, 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/227721

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/rkadar
- Office phone and Email on file: shown at https://lendb.ai/lo/richard-kadar-227721#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/227721
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.empirehomeloans.com/team/rkadar

Cite as: Rick Kadar (NMLS 227721), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/richard-kadar-227721, last verified 2026-10-09.

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