---
canonical_url: https://lendb.ai/lo/stephen-thaggard-356309
json_url: https://lendb.ai/lo/stephen-thaggard-356309.json
nmls_id: 356309
last_verified: 2026-10-09
---

# Stephen Thaggard

Sales Manager at Embrace Home Loans, Viera, FL. NMLS ID 356309 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/356309)).

**Summary:** Stephen Thaggard (NMLS 356309) is Sales Manager at Embrace Home Loans, based in Viera, FL. Licensed in Florida, confirmed with the state regulator (license LO11561). Focus areas shown on the lender page: FHA loan, First-time buyer, Jumbo loan, New construction and VA loan. Licensed since 2011 (per Florida records). States 30 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2011 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 30 (source: https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed)
- 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

- **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard
- **Jumbo loan** (`jumbo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard
- **New construction** (`new-construction`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard
- **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard

## About

With 30+ years of mortgage lending experience, Stephen specializes in VA loans, new construction, conventional, FHA, jumbo loans, and first-time buyer programs. He serves as Producing Sales Manager and has been recognized as a member of President's Club since 2014.

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

## Facts from the lender page and intro

- years_experience: 30. Source: https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard, verified 2026-10-09.
- role: Producing Sales Manager in Viera office; joined Embrace Home Loans in 2010. Source: https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard, verified 2026-10-09.
- credential: Member of President's Club since 2014; member of Florida Association of Mortgage Professionals (FAMP) and Mortgage Bankers Association (MBA). Source: https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard, verified 2026-10-09.
- role: Previously owned and operated BeechTree Mortgage, Inc. in Cocoa Beach, Florida. Source: https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard, verified 2026-10-09.
- service_area: Works with homebuyers, homeowners, REALTORS®, and builders throughout Brevard County and Florida. Source: https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO11561 | active | confirmed | 2011-10-19 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Embrace Home Loans (NMLS 2184), Viera, FL. Source: https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard, 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/356309

## Contact

- linkedin_url: http://www.linkedin.com/in/mortgageperspectives (source: lender_site, verified 2026-10-09)
- View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard
- Office phone and Email on file: shown at https://lendb.ai/lo/stephen-thaggard-356309#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/356309
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard

Cite as: Stephen Thaggard (NMLS 356309), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/stephen-thaggard-356309, last verified 2026-10-09.

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