---
canonical_url: https://lendb.ai/lo/debra-sheard-2362321
json_url: https://lendb.ai/lo/debra-sheard-2362321.json
nmls_id: 2362321
last_verified: 2026-10-09
---

# Debra Jo Sheard

Mortgage Advisor at Xpert Home Lending. NMLS ID 2362321 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2362321)).

**Summary:** 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 2026-10-09.

## At a glance

- Licensed since 2025 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Delaware (DE, lender_reported), North Carolina (NC, lender_reported), New Jersey (NJ, lender_reported), Virginia (VA, 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

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.

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

## Facts from the lender page and intro

- years_experience: 25+. Source: https://xperthomelending.com/loan-directory/debra-jo-sheard, verified 2026-10-09.
- role: former public school educator. Source: https://xperthomelending.com/loan-directory/debra-jo-sheard, verified 2026-10-09.
- service_area: New Jersey, Delaware, Florida, North Carolina, Virginia. Source: https://xperthomelending.com/loan-directory/debra-jo-sheard, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO139816 | active | confirmed | 2025-07-22 | state_regulator | 2026-10-09 |
| DE | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | 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/debra-jo-sheard, 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/2362321

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/debra-jo-sheard
- Office phone and Email on file: shown at https://lendb.ai/lo/debra-sheard-2362321#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2362321
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://xperthomelending.com/loan-directory/debra-jo-sheard

Cite as: Debra Jo Sheard (NMLS 2362321), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/debra-sheard-2362321, last verified 2026-10-09.

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