Terri Nettles
Reverse Mortgage Specialist at Lender Express Mortgage LLC
NMLS ID 180295 (opens in a new tab) · verify at NMLS Consumer Access
Terri Nettles (NMLS 180295) is a Reverse Mortgage Specialist at Lender Express Mortgage LLC, licensed in Florida since 2023 and in Texas. Terri's lender page shows a focus on reverse mortgage.
Last verified . Sources: Lender Express Mortgage LLC (lenderexpress.com), Florida state regulator, Texas state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: June 22, 2023 (Florida), per state regulator
- 27 years experience (stated)
- 5 states
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Terri licensed in Florida?
- Yes. Florida regulator records list license LO120996 as active, first effective June 22, 2023 (verified 2026-10-15). LenDb has 4 other states on file for Terri.
- Source: Florida state regulator (opens in a new tab)
- Does Terri do reverse mortgages?
- Terri's profile lists reverse mortgage as a focus (from their lender profile page).
- Source: lender page (opens in a new tab)
- What lender does Terri work for?
- Lender Express Mortgage LLC, company NMLS 1963444, per the lender's own site (verified 2026-10-15).
- Source: lender site (opens in a new tab)
- How long has Terri been licensed?
- The earliest state license record LenDb holds for Terri is from June 22, 2023 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Terri states 27 years of experience.
- Source: Florida state regulator (opens in a new tab)
Specialties
Focus
Where we saw these: lenderexpress.com (opens in a new tab)
Their lender offers
FHA loan and VA loan. Programs Lender Express Mortgage LLC offers (verified 2026-10-13). Lender-level: not confirmed as Terri's own focus, so ask.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Languages
- English
Source: state regulator (opens in a new tab), verified 2026-10-15
Licensed states
Florida, Texas, Arizona, Idaho, Montana
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO120996, first effective 2023-06-22), TX (opens in a new tab), verified 2026-10-15.
Lender-reported: AZ, ID, MT are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Lender Express Mortgage LLC NMLS 1963444
Current · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Sources
| Name and employer | state regulator · lenderexpress.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · sml.texas.gov (opens in a new tab) | verified 2026-10-13 |
| Licensed states | lender site · lenderexpress.com (opens in a new tab) | verified 2026-10-15 |
| Specialties | lender site · lenderexpress.com (opens in a new tab) | verified 2026-10-26 |
| Lender programs | state regulator · lenderexpress.com (opens in a new tab) | verified 2026-10-13 |
| Languages | state regulator · lenderexpress.com (opens in a new tab) | verified 2026-10-15 |
| Contact | lender site · lenderexpress.com (opens in a new tab) | verified 2026-10-15 |
| Photo | state regulator · lenderexpress.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Terri Nettles (NMLS 180295), Lender Express Mortgage LLC. LenDb.ai, https://lendb.ai/lo/theresa-nettles-180295, last verified 2026-10-15.
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