---
canonical_url: https://lendb.ai/lo/spencer-garcia-2407127
json_url: https://lendb.ai/lo/spencer-garcia-2407127.json
nmls_id: 2407127
last_verified: 2026-10-10
---

# Spencer Garcia

Senior Loan Officer at Veterans United Home Loans, Honolulu, HI. NMLS ID 2407127 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2407127)).

**Summary:** Spencer Garcia (NMLS 2407127) is Senior Loan Officer at Veterans United Home Loans, based in Honolulu, HI. Focus areas shown on the lender page: VA loan. Veterans United Home Loans also offers FHA loan, First-time buyer, Jumbo loan, Renovation loan (203k / HomeStyle) and USDA loan (a lender program, not confirmed as their own focus). Last verified 2026-10-10.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- 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)

- **VA loan** (`va`): from their bio (lender page), confidence 0.70, verified 2026-10-10. Source: https://hawaii.veteransunited.com/lo/spencer-garcia/

### Their lender offers (lender level: Veterans United Home Loans's programs, not confirmed as this person's focus)

- **FHA loan** (`fha`): verified 2026-10-10. Source: https://www.veteransunited.com
- **First-time buyer** (`first-time-buyer`): verified 2026-10-10. Source: https://www.veteransunited.com
- **Jumbo loan** (`jumbo`): verified 2026-10-10. Source: https://www.veteransunited.com
- **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-10. Source: https://www.veteransunited.com
- **USDA loan** (`usda`): verified 2026-10-10. Source: https://www.veteransunited.com

## About

Spencer served three years of active duty before relocating to Hawaii, graduated in 2022 with a business management degree, and aims to help borrowers reach homeownership.

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

## Facts from the lender page and intro

- education: BS in Business Management, graduated 2022. Source: https://hawaii.veteransunited.com/lo/spencer-garcia/, verified 2026-10-10.

## Licenses

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

## Employment history

- ? to present: Veterans United Home Loans (NMLS 1907), Honolulu, HI. Source: https://hawaii.veteransunited.com/lo/spencer-garcia/, 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/2407127

## Contact

- View profile at Veterans United Home Loans: https://hawaii.veteransunited.com/lo/spencer-garcia/
- Office phone and Email on file: shown at https://lendb.ai/lo/spencer-garcia-2407127#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2407127
- lender_site: https://hawaii.veteransunited.com/lo/spencer-garcia/
- lender_site (lender programs): https://www.veteransunited.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Spencer Garcia (NMLS 2407127), Veterans United Home Loans. LenDb.ai, https://lendb.ai/lo/spencer-garcia-2407127, last verified 2026-10-10.

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