---
canonical_url: https://lendb.ai/lo/carlos-rivera-823614
json_url: https://lendb.ai/lo/carlos-rivera-823614.json
nmls_id: 823614
last_verified: 2026-10-09
---

# Carlos Rivera

Mortgage Advisor at Xpert Home Lending. NMLS ID 823614 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/823614)).

**Summary:** Carlos Rivera (NMLS 823614) is Mortgage Advisor at Xpert Home Lending. Lists California on the lender page (not yet checked with the state regulator). States 27 years of experience. 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.
- Years experience (stated by the LO): 27 (source: https://xperthomelending.com/loan-directory/carlos-rivera, verified 2026-10-09)
- Licensed in: California (CA, 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

Carlos has 27 years of experience in residential lending. He specializes in structuring creative financing solutions and navigating complex scenarios to help individuals and families achieve homeownership.

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

## Facts from the lender page and intro

- years_experience: 27. Source: https://xperthomelending.com/loan-directory/carlos-rivera, verified 2026-10-09.
- other: Specializes in structuring financing solutions and navigating complex scenarios. Source: https://xperthomelending.com/loan-directory/carlos-rivera, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Xpert Home Lending (NMLS 2179191). Source: https://xperthomelending.com/loan-directory/carlos-rivera, 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/823614

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/carlos-rivera
- Office phone and Email on file: shown at https://lendb.ai/lo/carlos-rivera-823614#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/823614
- lender_site: https://xperthomelending.com/loan-directory/carlos-rivera

Cite as: Carlos Rivera (NMLS 823614), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/carlos-rivera-823614, last verified 2026-10-09.

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