---
canonical_url: https://lendb.ai/lo/timi-howe-187911
json_url: https://lendb.ai/lo/timi-howe-187911.json
nmls_id: 187911
last_verified: 2026-10-09
---

# Timi Howe

Loan Officer at Empire Home Loans, Fair Oaks, CA. NMLS ID 187911 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/187911)).

**Summary:** Timi Howe (NMLS 187911) is Loan Officer at Empire Home Loans, based in Fair Oaks, CA. Focus areas shown on the lender page: First-time buyer and VA loan. States 21 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 21 (source: https://www.empirehomeloans.com/team/timi, verified 2026-10-09)
- Licensed in: no license list on file; check NMLS Consumer Access
- 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/timi
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/timi

## About

Timi has over 21 years of mortgage industry experience, progressing from processor to loan officer and broker. They specialize in supporting first-time buyers, real estate investors, and military veterans.

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

## Facts from the lender page and intro

- years_experience: 21. Source: https://www.empirehomeloans.com/team/timi, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: Empire Home Loans (NMLS 1839243), Fair Oaks, CA. Source: https://www.empirehomeloans.com/team/timi, 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/187911

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/timi
- Office phone and Email on file: shown at https://lendb.ai/lo/timi-howe-187911#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/187911
- lender_site: https://www.empirehomeloans.com/team/timi

Cite as: Timi Howe (NMLS 187911), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/timi-howe-187911, last verified 2026-10-09.

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