--- canonical_url: https://lendb.ai/lo/theresa-nettles-180295 json_url: https://lendb.ai/lo/theresa-nettles-180295.json nmls_id: 180295 last_verified: 2026-10-15 --- # Terri Nettles Reverse Mortgage Specialist at Lender Express Mortgage LLC. NMLS ID 180295 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/180295)). 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. **Summary:** Terri Nettles (NMLS 180295) is Reverse Mortgage Specialist at Lender Express Mortgage LLC. Licensed in 2 states confirmed with state regulators: Florida and Texas. Also lists Arizona, Idaho and Montana on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Reverse mortgage. Lender Express Mortgage LLC also offers FHA loan and VA loan (a lender program, not confirmed as their own focus). Earliest state license record: June 22, 2023 (Florida), per state regulator. States 27 years of experience. Last verified 2026-10-15. ## 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: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ### Does Terri do reverse mortgages? Terri's profile lists reverse mortgage as a focus (from their lender profile page). Source: https://lenderexpress.com/loan-officer/terri-nettles/. ### What lender does Terri work for? Lender Express Mortgage LLC, company NMLS 1963444, per the lender's own site (verified 2026-10-15). Source: https://lenderexpress.com/loan-officer/terri-nettles/. ### 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: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ## At a glance - Earliest state license record: June 22, 2023 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 27 (source: https://lenderexpress.com/loan-officer/terri-nettles/, verified 2026-10-15) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Arizona (AZ, lender_reported), Idaho (ID, lender_reported), Montana (MT, 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: English (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.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - **Reverse mortgage** (`reverse`): from their lender profile page, confidence 0.90, verified 2026-10-26. Source: https://lenderexpress.com/loan-officer/terri-nettles/ ### Their lender offers (lender level: Lender Express Mortgage LLC's programs, not confirmed as this person's focus) - **FHA loan** (`fha`): verified 2026-10-13. Source: https://lenderexpress.com - **VA loan** (`va`): verified 2026-10-13. Source: https://lenderexpress.com ## Facts from the lender page and intro - years_experience: 27. Source: https://lenderexpress.com/loan-officer/terri-nettles/, verified 2026-10-15. - role: Senior Educator. Source: https://lenderexpress.com/loan-officer/terri-nettles/, verified 2026-10-15. - community: Hosts seminars and classes. Source: https://lenderexpress.com/loan-officer/terri-nettles/, verified 2026-10-15. - other: Works with homeowners age 55 and above. Source: https://lenderexpress.com/loan-officer/terri-nettles/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO120996 | active | confirmed | 2023-06-22 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2023-11-15 | state_regulator | 2026-10-13 | | AZ | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | ID | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | MT | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | ## Employment history - ? to present: Lender Express Mortgage LLC (NMLS 1963444). Source: https://lenderexpress.com/loan-officer/terri-nettles/, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/180295 ## Contact - View profile at Lender Express Mortgage LLC: https://lenderexpress.com/loan-officer/terri-nettles/ - Office phone on file: shown at https://lendb.ai/lo/theresa-nettles-180295#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/180295 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - lender_site: https://lenderexpress.com/loan-officer/terri-nettles/ - state_regulator (lender programs): https://lenderexpress.com Cite as: Terri Nettles (NMLS 180295), Lender Express Mortgage LLC. LenDb.ai, https://lendb.ai/lo/theresa-nettles-180295, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._