---
canonical_url: https://lendb.ai/lo/sergio-fernandez-1771554
json_url: https://lendb.ai/lo/sergio-fernandez-1771554.json
nmls_id: 1771554
last_verified: 2026-10-28
---

# Sergio Fernandez

Loan officer at SayGo Home Loans, LLC. NMLS ID 1771554 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1771554)).

Sergio Fernandez (NMLS 1771554) is a mortgage loan officer at SayGo Home Loans, LLC, licensed in Florida, Texas, Oregon and 2 more states. Sergio works at an FHA-approved lender, per HUD.

**Summary:** Sergio Fernandez (NMLS 1771554) is a loan officer at SayGo Home Loans, LLC. Licensed in 5 states confirmed with state regulators: Florida, Texas, Oregon, California and Illinois. Earliest state license record: July 24, 2020 (Iowa), per state regulator. Last verified 2026-10-28.

## Quick answers

### Is Sergio licensed in Florida?

Yes. Florida regulator records list license LO133236 as active, first effective November 14, 2024 (verified 2026-10-15). LenDb has 4 other states on file for Sergio. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip.

### What lender does Sergio work for, and is it FHA-approved?

SayGo Home Loans, LLC, company NMLS 2525432, per the lender's own site (verified 2026-10-13). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026). Source: https://www.sml.texas.gov/.

### How long has Sergio been licensed?

The earliest state license record LenDb holds for Sergio is from July 24, 2020 (Iowa regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://idob.iowa.gov/.

## At a glance

- Earliest state license record: July 24, 2020 (Iowa), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Sergio I. Fernandez (CA, FL, IA, NY, OR, TX, as of 2026-10-22)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Oregon (OR, confirmed), California (CA DFPI, confirmed), Illinois (IL, 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 (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.)
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO133236 | active | confirmed | 2024-11-14 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2025-02-24 | state_regulator | 2026-10-13 |
| NY | New York regulator | state_license | n/a | expired | confirmed |  | state_regulator | 2026-10-14 |
| IA | Iowa regulator | state_license | 38456 | expired | confirmed | 2020-07-24 | state_regulator | 2026-10-20 |
| OR | Oregon regulator | state_license | n/a | active | confirmed | 2026-01-23 | state_regulator | 2026-10-20 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI1771554 | active | confirmed | 2025-06-24 | state_regulator | 2026-10-24 |
| IL | Illinois regulator | state_license | 31.0088672 | active | confirmed | 2025-02-06 | state_regulator | 2026-10-28 |

## Employment history

- ? to present: SayGo Home Loans, LLC (NMLS 2525432). Source: https://www.sml.texas.gov/, verified 2026-10-13.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1771554

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1771554
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://www.dfs.ny.gov/
- state_regulator: https://idob.iowa.gov/
- state_regulator: https://dfr.oregon.gov/
- state_regulator: https://dfpi.ca.gov/
- state_regulator: https://idfpr.illinois.gov/banks/resfin.html
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Sergio Fernandez (NMLS 1771554), SayGo Home Loans, LLC. LenDb.ai, https://lendb.ai/lo/sergio-fernandez-1771554, last verified 2026-10-28.

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