---
canonical_url: https://lendb.ai/lo/javier-hernandez-espinoza-1555608
json_url: https://lendb.ai/lo/javier-hernandez-espinoza-1555608.json
nmls_id: 1555608
last_verified: 2026-10-24
---

# Javier Hernandez Espinoza

Loan officer at NEXA Mortgage. NMLS ID 1555608 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1555608)).

Javier Hernandez Espinoza (NMLS 1555608) is a mortgage loan officer at NEXA Mortgage, licensed in California since 2017.

**Summary:** Javier Hernandez Espinoza (NMLS 1555608) is a loan officer at NEXA Mortgage. Licensed in California, confirmed with the state regulator (license CA-DBO1555608). NEXA Mortgage also offers FHA loan, Jumbo loan, Renovation loan (203k / HomeStyle), Reverse mortgage and USDA loan and 1 more (a lender program, not confirmed as their own focus). Earliest state license record: September 6, 2017 (California), per state regulator. Last verified 2026-10-24.

## Quick answers

### Is Javier licensed in California?

Yes. California regulator records list license CA-DBO1555608 as active, first effective September 6, 2017 (verified 2026-10-24). Source: https://dfpi.ca.gov/.

### What lender does Javier work for?

NEXA Mortgage, company NMLS 1660690, per the lender's own site (verified 2026-10-23). Source: https://dfpi.ca.gov/.

### How long has Javier been licensed?

The earliest state license record LenDb holds for Javier is from September 6, 2017 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfpi.ca.gov/.

## At a glance

- Earliest state license record: September 6, 2017 (California), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Javier A. Hernandez Espinoza (CA, as of 2026-10-22)
- Licensed in: California (CA DFPI, confirmed)
- 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.)
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

### Their lender offers (lender level: NEXA Mortgage's programs, not confirmed as this person's focus)

- **FHA loan** (`fha`): verified 2026-10-08. Source: https://nexamortgage.com
- **Jumbo loan** (`jumbo`): verified 2026-10-08. Source: https://nexamortgage.com
- **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-08. Source: https://nexamortgage.com
- **Reverse mortgage** (`reverse`): verified 2026-10-08. Source: https://nexamortgage.com
- **USDA loan** (`usda`): verified 2026-10-08. Source: https://nexamortgage.com
- **VA loan** (`va`): verified 2026-10-08. Source: https://nexamortgage.com

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| CA | California Department of Financial Protection and Innovation | state_license | CA-DBO1555608 | active | confirmed | 2017-09-06 | state_regulator | 2026-10-24 |

## Employment history

- ? to present: NEXA Mortgage (NMLS 1660690). Source: https://dfpi.ca.gov/, verified 2026-10-23.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1555608

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1555608
- state_regulator: https://dfpi.ca.gov/
- manual (lender programs): https://nexamortgage.com

Cite as: Javier Hernandez Espinoza (NMLS 1555608), NEXA Mortgage. LenDb.ai, https://lendb.ai/lo/javier-hernandez-espinoza-1555608, last verified 2026-10-24.

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