---
canonical_url: https://lendb.ai/lo/ann-sharma-2100256
json_url: https://lendb.ai/lo/ann-sharma-2100256.json
nmls_id: 2100256
last_verified: 2026-10-09
---

# Ann Sharma

Loan Officer at Empire Home Loans, Fair Oaks, CA. NMLS ID 2100256 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2100256)).

**Summary:** Ann Sharma (NMLS 2100256) is Loan Officer at Empire Home Loans, based in Fair Oaks, CA. Licensed in Florida, confirmed with the state regulator (license LO85811). Also lists North Carolina and South Carolina on the lender page (not yet checked with the state regulator). Earliest state license record: April 15, 2021 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: April 15, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), North Carolina (NC, lender_reported), South Carolina (SC, lender_reported)
- 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

Ann Sharma brings over 20 years of real estate licensing experience and specializes in understanding all aspects of mortgage transactions. She is licensed in NC, SC, and FL and combines real estate and financing expertise to guide clients through purchases, refinances, and other home transactions.

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

## Facts from the lender page and intro

- credential: Licensed in real estate for over 20 years. Source: https://www.empirehomeloans.com/team/ann, verified 2026-10-09.
- service_area: NC, SC, and FL. Source: https://www.empirehomeloans.com/team/ann, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO85811 | active | confirmed | 2021-04-15 | state_regulator | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Empire Home Loans (NMLS 1839243), Fair Oaks, CA. Source: https://www.empirehomeloans.com/team/ann, 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/2100256

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/ann
- Office phone and Email on file: shown at https://lendb.ai/lo/ann-sharma-2100256#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2100256
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.empirehomeloans.com/team/ann

Cite as: Ann Sharma (NMLS 2100256), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/ann-sharma-2100256, last verified 2026-10-09.

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