---
canonical_url: https://lendb.ai/lo/heidi-hernandez-2810962
json_url: https://lendb.ai/lo/heidi-hernandez-2810962.json
nmls_id: 2810962
last_verified: 2026-10-09
---

# Heidi Hernandez

Mortgage Advisor at Xpert Home Lending. NMLS ID 2810962 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2810962)).

**Summary:** Heidi Hernandez (NMLS 2810962) is Mortgage Advisor at Xpert Home Lending. Licensed in Colorado, confirmed with the state regulator (license 100544586). Also lists Hawaii, Michigan, Oregon, Texas and Washington on the lender page (not yet checked with the state regulator). Licensed since 2026 (per Colorado records). Last verified 2026-10-09.

## At a glance

- Licensed since 2026 (per Colorado records). This is license history on file, not total experience.
- Licensed in: Colorado (CO, confirmed), Hawaii (HI, lender_reported), Michigan (MI, lender_reported), Oregon (OR, 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


## About

Licensed mortgage broker with over a decade of real estate experience including brokerage, property management, and investing. Works with buyers, homeowners, and investors on purchases, refinances, vacation homes, investment properties, land, and construction financing.

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

## Facts from the lender page and intro

- years_experience: more than a decade. Source: https://xperthomelending.com/loan-directory/heidi-hernandez, verified 2026-10-09.
- role: real estate broker, brokerage owner, property manager, and investor before becoming a mortgage broker. Source: https://xperthomelending.com/loan-directory/heidi-hernandez, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CO | state_license | 100544586 | active | confirmed | 2026-02-26 | state_regulator | 2026-10-09 |
| HI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MI | 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 |
| 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/heidi-hernandez, 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/2810962

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/heidi-hernandez
- Office phone on file: shown at https://lendb.ai/lo/heidi-hernandez-2810962#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2810962
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=351199&contact=578044
- lender_site: https://xperthomelending.com/loan-directory/heidi-hernandez

Cite as: Heidi Hernandez (NMLS 2810962), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/heidi-hernandez-2810962, last verified 2026-10-09.

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