---
canonical_url: https://lendb.ai/lo/sonya-caruso-208981
json_url: https://lendb.ai/lo/sonya-caruso-208981.json
nmls_id: 208981
last_verified: 2026-10-09
---

# Sonya Caruso

Senior Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), Houston, TX. NMLS ID 208981 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/208981)).

**Summary:** Sonya Caruso (NMLS 208981) is Senior Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), based in Houston, TX. 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: Down payment assistance, FHA loan and VA loan. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not 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: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.85, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/tx/houston/6560-fannin-st-hla-208981
- **FHA loan** (`fha`): lender page, confidence 0.35, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/tx/houston/6560-fannin-st-hla-208981
- **VA loan** (`va`): lender page, confidence 0.13, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/tx/houston/6560-fannin-st-hla-208981

## About

Sonya has 20 years of experience as a Senior Home Lending Advisor serving the Houston, TX area.

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

## Facts from the lender page and intro

- credential: Chase Certified in FHA Loans. Source: https://homelendingadvisor.chase.com/tx/houston/6560-fannin-st-hla-208981, verified 2026-10-09.
- credential: Chase Certified in VA Loans. Source: https://homelendingadvisor.chase.com/tx/houston/6560-fannin-st-hla-208981, verified 2026-10-09.
- credential: Chase Certified in Chase Private Client Lending. Source: https://homelendingadvisor.chase.com/tx/houston/6560-fannin-st-hla-208981, verified 2026-10-09.
- credential: Chase Certified in Down Payment Assistance Programs. Source: https://homelendingadvisor.chase.com/tx/houston/6560-fannin-st-hla-208981, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: JPMorgan Chase Bank (Chase Home Lending) (NMLS 399798), Houston, TX. Source: https://homelendingadvisor.chase.com/tx/houston/6560-fannin-st-hla-208981, 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/208981

## Contact

- linkedin_url: https://www.linkedin.com/in/sonya-caruso-26634317/ (source: lender_site, verified 2026-10-09)
- View profile at JPMorgan Chase Bank (Chase Home Lending): https://homelendingadvisor.chase.com/tx/houston/6560-fannin-st-hla-208981
- Office phone and Email on file: shown at https://lendb.ai/lo/sonya-caruso-208981#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/208981
- lender_site: https://homelendingadvisor.chase.com/tx/houston/6560-fannin-st-hla-208981

Cite as: Sonya Caruso (NMLS 208981), JPMorgan Chase Bank (Chase Home Lending). LenDb.ai, https://lendb.ai/lo/sonya-caruso-208981, last verified 2026-10-09.

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