{
  "canonical_url": "https://lendb.ai/lo/santiago-estrada-298619",
  "lede": {
    "text": "Santiago Estrada (NMLS 298619) is a Loan Officer at Lifetime Home Loans, LLC, serving Oregon. Santiago's own profile lists FHA loan, USDA loan and VA loan as a focus, and Santiago speaks English and Spanish.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "specialties",
      "languages"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Santiago licensed in Oregon?",
      "a": "Lifetime Home Loans, LLC's page for Santiago lists Oregon. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access.",
      "fields": [
        "licenses"
      ],
      "source": "lender page",
      "source_url": "https://lifetimehomeloans.com/project/santiago-estrada/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "Does Santiago do FHA loans?",
      "a": "Santiago's profile lists FHA loan as a focus (from their lender profile page). It also lists USDA loan, VA loan and first-time buyer.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://lifetimehomeloans.com/project/santiago-estrada/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Santiago work for?",
      "a": "Lifetime Home Loans, LLC, company NMLS 1861406, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://lifetimehomeloans.com/project/santiago-estrada/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What languages does Santiago speak?",
      "a": "English and Spanish, per their lender page (verified 2026-10-15).",
      "fields": [
        "languages"
      ],
      "source": "lender page",
      "source_url": "https://lifetimehomeloans.com/project/santiago-estrada/",
      "verified_at": "2026-10-15"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "loan_officer": {
    "nmls_id": 298619,
    "slug": "santiago-estrada-298619",
    "canonical_url": "https://lendb.ai/lo/santiago-estrada-298619",
    "md_url": "https://lendb.ai/lo/santiago-estrada-298619.md",
    "json_url": "https://lendb.ai/lo/santiago-estrada-298619.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/298619",
    "full_name": {
      "value": "Santiago Estrada",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/santiago-estrada/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Santiago",
    "last_name": "Estrada",
    "headshot_url": {
      "value": "https://lifetimehomeloans.com/wp-content/uploads/2026/07/Santiago-Estrada.png",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/santiago-estrada/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Santiago Estrada has been a mortgage loan officer since 1999 and is bilingual in English and Spanish. Their profile lists USDA, FHA and VA loan programs as specialties, and they help first-time homebuyers, veterans and repeat buyers. They volunteer in their community and are available evenings and weekends.",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/santiago-estrada/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/santiago-estrada/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [
        "en",
        "es"
      ],
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/santiago-estrada/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 1861406,
      "lender_name": "Lifetime Home Loans, LLC",
      "lender_slug": "lifetime-home-loans-llc-1861406",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://lifetimehomeloans.com/project/santiago-estrada/",
      "lender_type": "other",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/santiago-estrada/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1861406,
        "lender_name": "Lifetime Home Loans, LLC",
        "lender_slug": "lifetime-home-loans-llc-1861406",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://lifetimehomeloans.com/project/santiago-estrada/",
        "lender_type": "other",
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/santiago-estrada/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/santiago-estrada/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/santiago-estrada/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/santiago-estrada/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/santiago-estrada/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/santiago-estrada/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 1999",
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/santiago-estrada/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "community",
        "value": "volunteers in their community",
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/santiago-estrada/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "conducts homebuyer seminars and community workshops",
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/santiago-estrada/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 18:41:27.330317+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/santiago-estrada-298619#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/santiago-estrada/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}