{ "canonical_url": "https://lendb.ai/s/investor/massachusetts", "summary": "As of 2026-10-09, LenDb lists 45 loan officers licensed in or based in Massachusetts whose lender pages show Real estate investor work. The top-ranked are Fred Damore (Fairway Independent Mortgage Corporation, Methuen), Joe Smith (CrossCountry Mortgage, Boston) and Adam Workman (CrossCountry Mortgage, Charlotte). Ranking is lender-neutral: specialty evidence first, then a license in MA, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "investor", "state": "MA", "total": 45, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 62.8, "loan_officer": { "nmls_id": 4395, "slug": "fred-damore-4395", "full_name": "Fred Damore", "canonical_url": "https://lendb.ai/lo/fred-damore-4395", "json_url": "https://lendb.ai/lo/fred-damore-4395.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Methuen", "state": "MA" }, "licensed_states": [ "MA", "ME", "NH", "VT" ], "licenses": [ { "state": "MA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://www.fairway.com/lo/fred-damore-4395", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "Office in Methuen, MA", "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/fred-damore-4395", "license_check": { "state": "MA", "confidence": "lender_reported", "eligible": true, "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.fairway.com/lo/fred-damore-4395" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 62.8, "loan_officer": { "nmls_id": 481139, "slug": "joseph-smith-481139", "full_name": "Joe Smith", "canonical_url": "https://lendb.ai/lo/joseph-smith-481139", "json_url": "https://lendb.ai/lo/joseph-smith-481139.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Boston", "state": "MA" }, "licensed_states": [ "FL", "CA", "CT", "MA", "ME", "NH", "RI", "VT" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 14, "licensed_since": { "year": 2012, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/boston-ma-4853/joseph-smith/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "Office in Boston, MA", "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2012 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/joseph-smith-481139", "license_check": { "state": "MA", "confidence": "lender_reported", "eligible": true, "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/boston-ma-4853/joseph-smith/" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 59.8, "loan_officer": { "nmls_id": 128183, "slug": "adam-workman-128183", "full_name": "Adam Workman", "canonical_url": "https://lendb.ai/lo/adam-workman-128183", "json_url": "https://lendb.ai/lo/adam-workman-128183.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Charlotte", "state": "NC" }, "licensed_states": [ "FL", "AL", "AR", "AZ", "CA", "CO", "CT", "DC", "DE", "GA", "HI", "IA", "IL", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "PA", "RI", "SC", "SD", "TN", "TX", "VA", "WA", "WI" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/charlotte-nc-3503/adam-workman/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2020 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/adam-workman-128183", "license_check": { "state": "MA", "confidence": "lender_reported", "eligible": true, "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/charlotte-nc-3503/adam-workman/" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 59.8, "loan_officer": { "nmls_id": 239189, "slug": "blayney-white-239189", "full_name": "Blayney White", "canonical_url": "https://lendb.ai/lo/blayney-white-239189", "json_url": "https://lendb.ai/lo/blayney-white-239189.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Petaluma", "state": "CA" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "GA", "HI", "MA", "MT", "NV", "TN", "TX", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 22, "lender_profile_url": "https://crosscountrymortgage.com/petaluma-ca-4054/blayney-white/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2023 (per Florida records)", "States 22 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/blayney-white-239189", "license_check": { "state": "MA", "confidence": "lender_reported", "eligible": true, "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/petaluma-ca-4054/blayney-white/" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 59.8, "loan_officer": { "nmls_id": 491678, "slug": "jose-magallanes-491678", "full_name": "Joe Magallanes", "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678", "json_url": "https://lendb.ai/lo/jose-magallanes-491678.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Newport Beach", "state": "CA" }, "licensed_states": [ "FL", "AR", "AZ", "CA", "CO", "CT", "GA", "IL", "KY", "MA", "MD", "MI", "NC", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "TN", "TX", "VA", "WA", "WV" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-4169/jose-magallanes/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2023 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678", "license_check": { "state": "MA", "confidence": "lender_reported", "eligible": true, "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/newport-beach-ca-4169/jose-magallanes/" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 59.8, "loan_officer": { "nmls_id": 2555076, "slug": "aaron-sanders-2555076", "full_name": "Aaron Sanders", "canonical_url": "https://lendb.ai/lo/aaron-sanders-2555076", "json_url": "https://lendb.ai/lo/aaron-sanders-2555076.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Delray Beach", "state": "FL" }, "licensed_states": [ "FL", "AL", "CA", "CT", "GA", "IA", "IL", "KS", "LA", "MA", "MD", "ME", "MI", "MS", "NC", "SC", "TX", "VA", "WY" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 2, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/delray-beach-fl-5246/aaron-sanders/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2024 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/aaron-sanders-2555076", "license_check": { "state": "MA", "confidence": "lender_reported", "eligible": true, "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/delray-beach-fl-5246/aaron-sanders/" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 57.8, "loan_officer": { "nmls_id": 175852, "slug": "eric-gasper-175852", "full_name": "Eric Gasper", "canonical_url": "https://lendb.ai/lo/eric-gasper-175852", "json_url": "https://lendb.ai/lo/eric-gasper-175852.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Mineola", "state": "NY" }, "licensed_states": [ "FL", "CO", "CA", "CT", "DC", "DE", "IL", "MA", "ME", "MI", "NH", "NJ", "NY", "OH", "OR", "PA", "TX", "VA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 16, "licensed_since": { "year": 2010, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/mineola-ny-4750/eric-gasper/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2010 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/eric-gasper-175852", "license_check": { "state": "MA", "confidence": "lender_reported", "eligible": true, "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/mineola-ny-4750/eric-gasper/" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 57.5, "loan_officer": { "nmls_id": 1485371, "slug": "sebastian-cordoba-1485371", "full_name": "Sebastian Cordoba", "canonical_url": "https://lendb.ai/lo/sebastian-cordoba-1485371", "json_url": "https://lendb.ai/lo/sebastian-cordoba-1485371.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Lexington", "state": "MA" }, "licensed_states": [ "FL", "CT", "MA", "NH", "RI" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "RI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": 0, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": 9, "lender_profile_url": "https://crosscountrymortgage.com/lexington-ma-4841/sebastian-cordoba/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "Office in Lexington, MA", "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2026 (per Florida records)", "States 9 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/sebastian-cordoba-1485371", "license_check": { "state": "MA", "confidence": "lender_reported", "eligible": true, "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/lexington-ma-4841/sebastian-cordoba/" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 56.3, "loan_officer": { "nmls_id": 9678, "slug": "ron-kalil-9678", "full_name": "Ron Kalil", "canonical_url": "https://lendb.ai/lo/ron-kalil-9678", "json_url": "https://lendb.ai/lo/ron-kalil-9678.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "licensed_states": [ "FL", "MA", "ME", "NH" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/ron-kalil-9678", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "MA listed on their lender page (not yet checked with the state regulator; 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