{
  "canonical_url": "https://lendb.ai/lo/theresa-nettles-180295",
  "lede": {
    "text": "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.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Terri licensed in Florida?",
      "a": "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.",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "Does Terri do reverse mortgages?",
      "a": "Terri's profile lists reverse mortgage as a focus (from their lender profile page).",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://lenderexpress.com/loan-officer/terri-nettles/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Terri work for?",
      "a": "Lender Express Mortgage LLC, company NMLS 1963444, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://lenderexpress.com/loan-officer/terri-nettles/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Terri been licensed?",
      "a": "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.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
      "verified_at": "2026-10-15"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "loan_officer": {
    "nmls_id": 180295,
    "slug": "theresa-nettles-180295",
    "canonical_url": "https://lendb.ai/lo/theresa-nettles-180295",
    "md_url": "https://lendb.ai/lo/theresa-nettles-180295.md",
    "json_url": "https://lendb.ai/lo/theresa-nettles-180295.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/180295",
    "full_name": {
      "value": "Terri Nettles",
      "source": "state_regulator",
      "source_url": "https://lenderexpress.com/loan-officer/terri-nettles/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Terri",
    "last_name": "Nettles",
    "headshot_url": {
      "value": "https://lenderexpress.com/wp-content/uploads/2026/04/terri-nettles-headshot.webp",
      "source": "state_regulator",
      "source_url": "https://lenderexpress.com/loan-officer/terri-nettles/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Reverse Mortgage Specialist",
      "source": "state_regulator",
      "source_url": "https://lenderexpress.com/loan-officer/terri-nettles/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [
        "en"
      ],
      "source": "state_regulator",
      "source_url": "https://lenderexpress.com/loan-officer/terri-nettles/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 27,
      "source": "lender_site",
      "source_url": "https://lenderexpress.com/loan-officer/terri-nettles/",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 1963444,
      "lender_name": "Lender Express Mortgage LLC",
      "lender_slug": "lender-express-mortgage-llc-1963444",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://lenderexpress.com/loan-officer/terri-nettles/",
      "lender_type": "other",
      "source": "state_regulator",
      "source_url": "https://lenderexpress.com/loan-officer/terri-nettles/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1963444,
        "lender_name": "Lender Express Mortgage LLC",
        "lender_slug": "lender-express-mortgage-llc-1963444",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://lenderexpress.com/loan-officer/terri-nettles/",
        "lender_type": "other",
        "source": "state_regulator",
        "source_url": "https://lenderexpress.com/loan-officer/terri-nettles/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO120996",
        "status": "active",
        "issued_at": "2023-06-22",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2023-11-15",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "AZ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://lenderexpress.com/loan-officer/terri-nettles/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "ID",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://lenderexpress.com/loan-officer/terri-nettles/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "MT",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://lenderexpress.com/loan-officer/terri-nettles/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://lenderexpress.com/loan-officer/terri-nettles/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "lender_nmls_id": 1963444,
        "lender_name": "Lender Express Mortgage LLC",
        "source": "state_regulator",
        "source_url": "https://lenderexpress.com",
        "verified_at": "2026-10-13"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 1963444,
        "lender_name": "Lender Express Mortgage LLC",
        "source": "state_regulator",
        "source_url": "https://lenderexpress.com",
        "verified_at": "2026-10-13"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "27",
        "source": "lender_site",
        "source_url": "https://lenderexpress.com/loan-officer/terri-nettles/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "Senior Educator",
        "source": "lender_site",
        "source_url": "https://lenderexpress.com/loan-officer/terri-nettles/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "community",
        "value": "Hosts seminars and classes",
        "source": "lender_site",
        "source_url": "https://lenderexpress.com/loan-officer/terri-nettles/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "Works with homeowners age 55 and above",
        "source": "lender_site",
        "source_url": "https://lenderexpress.com/loan-officer/terri-nettles/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 18:05:47.675295+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office"
      ],
      "reveal_url": "https://lendb.ai/lo/theresa-nettles-180295#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://lenderexpress.com/loan-officer/terri-nettles/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2023-06-22",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2023,
      "state": "FL"
    },
    "federal_registration": null
  }
}