---
canonical_url: https://lendb.ai/lo/stephen-gargano-64495
json_url: https://lendb.ai/lo/stephen-gargano-64495.json
nmls_id: 64495
last_verified: 2026-10-09
---

# Stephen Gargano

Reverse Mortgage Loan Originator at Homestead Funding, Lagrangeville, NY. NMLS ID 64495 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/64495)).

**Summary:** Stephen Gargano (NMLS 64495) is Reverse Mortgage Loan Originator at Homestead Funding, based in Lagrangeville, NY. Lists New York on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Reverse mortgage. 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: New York (NY, lender_reported)
- 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

- **Reverse mortgage** (`reverse`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.homesteadfunding.com/loan-originators/stephen-gargano

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| NY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Homestead Funding (NMLS 3232), Lagrangeville, NY. Source: https://www.homesteadfunding.com/loan-originators/stephen-gargano, 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/64495

## Contact

- View profile at Homestead Funding: https://www.homesteadfunding.com/loan-originators/stephen-gargano
- Office phone and Email on file: shown at https://lendb.ai/lo/stephen-gargano-64495#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/64495
- lender_site: https://www.homesteadfunding.com/loan-originators/stephen-gargano

Cite as: Stephen Gargano (NMLS 64495), Homestead Funding. LenDb.ai, https://lendb.ai/lo/stephen-gargano-64495, last verified 2026-10-09.

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