{
  "canonical_url": "https://lendb.ai/lo/tim-ma-517746",
  "loan_officer": {
    "nmls_id": 517746,
    "slug": "tim-ma-517746",
    "canonical_url": "https://lendb.ai/lo/tim-ma-517746",
    "md_url": "https://lendb.ai/lo/tim-ma-517746.md",
    "json_url": "https://lendb.ai/lo/tim-ma-517746.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/517746",
    "full_name": {
      "value": "Tim Ma",
      "source": "lender_site",
      "source_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/tim-ma",
      "verified_at": "2026-10-09"
    },
    "first_name": "Tim",
    "last_name": "Ma",
    "headshot_url": null,
    "bio": {
      "value": "Tim has worked in finance since 2001 and mortgage lending since 2012. Their lending background includes land loans, manufactured homes, and residential properties, with specialization in conventional financing plus VA and FHA programs.",
      "source": "lender_site",
      "source_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/tim-ma",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/tim-ma",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/tim-ma",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 490518,
      "lender_name": "BECU",
      "lender_slug": "becu-490518",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/tim-ma",
      "lender_type": "credit_union",
      "source": "lender_site",
      "source_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/tim-ma",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 490518,
        "lender_name": "BECU",
        "lender_slug": "becu-490518",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/tim-ma",
        "lender_type": "credit_union",
        "source": "lender_site",
        "source_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/tim-ma",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "manufactured",
        "label": "Manufactured home",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/tim-ma",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/tim-ma",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/tim-ma",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/tim-ma",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2001",
        "source": "lender_site",
        "source_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/tim-ma",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Loan Officer",
        "source": "lender_site",
        "source_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/tim-ma",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "BECU family member since 2007",
        "source": "lender_site",
        "source_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/tim-ma",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Works with mortgage lending including land loans and manufactured homes",
        "source": "lender_site",
        "source_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/tim-ma",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 11:36:22.894211+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/tim-ma-517746#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://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/tim-ma",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "credit_union",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}