--- canonical_url: https://lendb.ai/lo/jim-brettl-455400 json_url: https://lendb.ai/lo/jim-brettl-455400.json nmls_id: 455400 last_verified: 2026-10-09 --- # Jim Brettl Loan Officer at Xpert Home Lending. NMLS ID 455400 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/455400)). **Summary:** Jim Brettl (NMLS 455400) is Loan Officer at Xpert Home Lending. Licensed in Pennsylvania, confirmed with the state regulator (license 109591). Also lists Alabama, Arizona, California, Georgia, Idaho, Louisiana, North Carolina, Nevada and 4 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Bank statement loan and DSCR loan. Last verified 2026-10-09. ## At a glance - Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Licensed in: Alabama (AL, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), Georgia (GA, lender_reported), Idaho (ID, lender_reported), Louisiana (LA, lender_reported), North Carolina (NC, lender_reported), Nevada (NV, lender_reported), Oregon (OR, lender_reported), Pennsylvania (PA, confirmed), 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 - **Bank statement loan** (`bank-statement`): lender page, confidence 0.90, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/jim-brettl - **DSCR loan** (`dscr`): lender page, confidence 0.90, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/jim-brettl ## About Jim has been in mortgage since 2010 and offers traditional mortgages, bank statement loans, and DSCR rental cash-flow products. He serves 13 states across the US. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: since 2010. Source: https://xperthomelending.com/loan-directory/jim-brettl, verified 2026-10-09. - education: Business Administration Degree with an Option in Finance from California State University Northridge. Source: https://xperthomelending.com/loan-directory/jim-brettl, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | 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 | | ID | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | LA | 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 | | 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 | | PA | state_license | 109591 | active | confirmed | | state_regulator | 2026-10-10 | | 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/jim-brettl, 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/455400 ## Contact - View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/jim-brettl - Office phone and Email on file: shown at https://lendb.ai/lo/jim-brettl-455400#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/455400 - lender_site: https://xperthomelending.com/loan-directory/jim-brettl - state_regulator: https://data.pa.gov/d/tyxc-jyug Cite as: Jim Brettl (NMLS 455400), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/jim-brettl-455400, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._