---
canonical_url: https://lendb.ai/lo/valeria-garrow-2227289
json_url: https://lendb.ai/lo/valeria-garrow-2227289.json
nmls_id: 2227289
last_verified: 2026-10-15
---

# Valeria Garrow

Loan officer at E Mortgage Capital, Inc., Henderson, NV. NMLS ID 2227289 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2227289)).

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.

**Summary:** Valeria Garrow (NMLS 2227289) is a loan officer at E Mortgage Capital, Inc., based in Henderson, NV. Licensed in 2 states confirmed with state regulators: Florida and Texas. Earliest state license record: June 24, 2022 (Florida), per state regulator. Last verified 2026-10-15.

## 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: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip.

### 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: https://www.sml.texas.gov/.

### 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: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip.

## At a glance

- Earliest state license record: June 24, 2022 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Valeria C. Garrow (FL, TX, as of 2026-10-12)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed)
- 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 (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)

- None on file yet.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO109903 | active | confirmed | 2022-06-24 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2025-12-15 | state_regulator | 2026-10-13 |

## Employment history

- ? to present: E Mortgage Capital, Inc. (NMLS 1416824), Henderson, NV. Source: https://www.sml.texas.gov/, verified 2026-10-13.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2227289

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2227289
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://www.sml.texas.gov/

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

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