---
canonical_url: https://lendb.ai/lo/josh-howard-1716585
json_url: https://lendb.ai/lo/josh-howard-1716585.json
nmls_id: 1716585
last_verified: 2026-10-09
---

# Josh Howard

Loan Officer at Xpert Home Lending, Sacramento, CA. NMLS ID 1716585 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1716585)).

**Summary:** Josh Howard (NMLS 1716585) is Loan Officer at Xpert Home Lending, based in Sacramento, CA. Lists California and Kansas on the lender page (not yet checked with the state regulator). 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: California (CA, lender_reported), Kansas (KS, 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

Josh has over 20 years of mortgage lending experience and serves customers in CA and KS, focusing on making home purchase experiences simplified and communicative.

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

## Facts from the lender page and intro

- years_experience: 20+. Source: https://xperthomelending.com/loan-directory/josh-howard, verified 2026-10-09.
- service_area: Sacramento, CA. Source: https://xperthomelending.com/loan-directory/josh-howard, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| KS | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Xpert Home Lending (NMLS 2179191), Sacramento, CA. Source: https://xperthomelending.com/loan-directory/josh-howard, 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/1716585

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/josh-howard
- Office phone and Email on file: shown at https://lendb.ai/lo/josh-howard-1716585#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1716585
- lender_site: https://xperthomelending.com/loan-directory/josh-howard

Cite as: Josh Howard (NMLS 1716585), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/josh-howard-1716585, last verified 2026-10-09.

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