Debra Jo Sheard
Mortgage Advisor at Xpert Home Lending
NMLS ID 2362321 (opens in a new tab) · verify at NMLS Consumer Access
Debra Jo Sheard (NMLS 2362321) is Mortgage Advisor at Xpert Home Lending. Licensed in Florida, confirmed with the state regulator (license LO139816). Also lists Delaware, North Carolina, New Jersey and Virginia on the lender page (not yet checked with the state regulator). Licensed since 2025 (per Florida records).
Last verified . Sources: Xpert Home Lending (xperthomelending.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Licensed since 2025 (per Florida records)
- 5 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
None listed on the lender page yet.
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Florida, Delaware, North Carolina, New Jersey, Virginia
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO139816, since 2025), verified 2026-10-09.
Lender-reported: DE, NC, NJ, VA are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Xpert Home Lending NMLS 2179191
Current · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Debra Jo Sheard transitioned from a 25-year public school teaching career to mortgage brokerage, bringing patient communication and complex explanation skills to guide clients through their mortgage options.
Our summary of the lender page. Verified 2026-10-09.
- Serves
- New Jersey, Delaware, Florida, North Carolina, Virginia
- Source (opens in a new tab), verified 2026-10-09
Sources
| Name and employer | lender site · xperthomelending.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · xperthomelending.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · xperthomelending.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · xperthomelending.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · xperthomelending.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Debra Jo Sheard (NMLS 2362321), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/debra-sheard-2362321, last verified 2026-10-09.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.