Valeria Garrow

E Mortgage Capital, Inc. · Henderson, NV

NMLS ID 2227289 (opens in a new tab) · verify at NMLS Consumer Access

Based in Henderson, Nevada, Valeria Garrow (NMLS 2227289) is a mortgage loan officer at E Mortgage Capital, Inc., licensed in Florida since 2022 and in Texas.

Last verified . Sources: E Mortgage Capital, Inc. (sml.texas.gov), Florida state regulator, Texas state regulator and NMLS Consumer Access (license status, check live).

Quick answers

Is Valeria licensed in Florida?
Yes. Florida regulator records list license LO109903 as active, first effective June 24, 2022 (verified 2026-10-15). LenDb has 1 other state on file for Valeria.
Source: Florida state regulator (opens in a new tab)
What lender does Valeria work for?
E Mortgage Capital, Inc., company NMLS 1416824, from the Henderson, NV office, per the lender's own site (verified 2026-10-13).
Source: lender site (opens in a new tab)
How long has Valeria been licensed?
The earliest state license record LenDb holds for Valeria is from June 24, 2022 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
Source: Florida state regulator (opens in a new tab)

Specialties

Focus

No focus listed on their lender page yet.

    Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.

    Licensed states

    AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

    Florida, Texas

    ✓ Confirmed with the state regulator: FL (opens in a new tab) (LO109903, first effective 2022-06-24), TX (opens in a new tab), verified 2026-10-15.

    Contact

    No public business contact on file.

    We never see who you contact.

    Employment history

    1. E Mortgage Capital, Inc. NMLS 1416824

      Current · Henderson, NV · seen on lender site 2026-10-13

    Disciplinary history

    Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

    Sources

    Name and employerstate regulator · sml.texas.gov (opens in a new tab)verified 2026-10-13
    Licenses (regulator)state regulator · sml.texas.gov (opens in a new tab)verified 2026-10-13
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: Valeria Garrow (NMLS 2227289), E Mortgage Capital, Inc.. LenDb.ai, https://lendb.ai/lo/valeria-garrow-2227289, last verified 2026-10-15.

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