---
canonical_url: https://lendb.ai/lo/timothy-miller-2400816
json_url: https://lendb.ai/lo/timothy-miller-2400816.json
nmls_id: 2400816
last_verified: 2026-10-09
---

# Timothy Miller

Loan Officer at Empire Home Loans, Fair Oaks, CA. NMLS ID 2400816 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2400816)).

**Summary:** Timothy Miller (NMLS 2400816) is Loan Officer at Empire Home Loans, based in Fair Oaks, CA. 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.
- 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


## About

Timothy began his mortgage career in private money lending, then transitioned to conventional financing. He specializes in structuring deals for first-time homebuyers, investment properties, and experienced investors.

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

## Facts from the lender page and intro

- education: Cal Poly San Luis Obispo, Business major with Real Estate concentration and Economics minor. Source: https://www.empirehomeloans.com/team/timmiller, verified 2026-10-09.
- role: Started career in private money sector, transitioned to standard conventional financing. Source: https://www.empirehomeloans.com/team/timmiller, 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/timmiller, 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/2400816

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/timmiller
- Office phone and Email on file: shown at https://lendb.ai/lo/timothy-miller-2400816#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2400816
- lender_site: https://www.empirehomeloans.com/team/timmiller

Cite as: Timothy Miller (NMLS 2400816), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/timothy-miller-2400816, last verified 2026-10-09.

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