--- canonical_url: https://lendb.ai/lo/desiree-byrne-2122934 json_url: https://lendb.ai/lo/desiree-byrne-2122934.json nmls_id: 2122934 last_verified: 2026-10-09 --- # Desiree' Byrne Loan Officer at Xpert Home Lending. NMLS ID 2122934 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2122934)). **Summary:** Desiree' Byrne (NMLS 2122934) is Loan Officer at Xpert Home Lending. Licensed in 2 states confirmed with state regulators: Florida and Colorado. Also lists Arizona, California, Georgia, Iowa, Indiana, Minnesota, Missouri, North Carolina and 6 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Construction loan, DSCR loan, HELOC, Renovation loan (203k / HomeStyle) and Reverse mortgage. Licensed since 2021 (per Colorado records). Last verified 2026-10-09. ## At a glance - Licensed since 2021 (per Colorado records). This is license history on file, not total experience. - Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), Arizona (AZ, lender_reported), California (CA, lender_reported), Georgia (GA, lender_reported), Iowa (IA, lender_reported), Indiana (IN, lender_reported), Minnesota (MN, lender_reported), Missouri (MO, lender_reported), North Carolina (NC, lender_reported), New Mexico (NM, lender_reported), Nevada (NV, lender_reported), Oregon (OR, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Washington (WA, 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 - **Construction loan** (`construction`): lender page, confidence 0.70, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/desiree-byrne - **DSCR loan** (`dscr`): lender page, confidence 0.70, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/desiree-byrne - **HELOC** (`heloc`): lender page, confidence 0.70, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/desiree-byrne - **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.70, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/desiree-byrne - **Reverse mortgage** (`reverse`): lender page, confidence 0.70, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/desiree-byrne ## About Desiree' offers comprehensive real estate financing across 16 states, including primary, secondary, investment properties, flip/rehab, HELOC, DSCR, construction, and reverse mortgages. She donates 1% of loan proceeds to healthcare, first responders, military, and education through #LenderWithAHeart. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - service_area: 16 states: AZ, CA, CO, FL, GA, IN, IA, MN, MO, NV, NM, NC, OR, TN, TX, WA. Source: https://xperthomelending.com/loan-directory/desiree-byrne, verified 2026-10-09. - community: Donates 1% of loan amount to healthcare, first responders, military, and education through #LenderWithAHeart benefit program. Source: https://xperthomelending.com/loan-directory/desiree-byrne, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO91965 | active | confirmed | 2021-07-27 | state_regulator | 2026-10-09 | | CO | state_license | 100525238 | active | confirmed | 2021-06-21 | state_regulator | 2026-10-10 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MO | 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 | | NM | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NV | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WA | 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/desiree-byrne, 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/2122934 ## Contact - View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/desiree-byrne - Office phone on file: shown at https://lendb.ai/lo/desiree-byrne-2122934#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2122934 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=272376&contact=495197 - lender_site: https://xperthomelending.com/loan-directory/desiree-byrne Cite as: Desiree' Byrne (NMLS 2122934), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/desiree-byrne-2122934, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._