---
canonical_url: https://lendb.ai/lo/matthew-hergert-234563
json_url: https://lendb.ai/lo/matthew-hergert-234563.json
nmls_id: 234563
last_verified: 2026-10-09
---

# Matthew Hergert

Loan Officer at Xpert Home Lending. NMLS ID 234563 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/234563)).

**Summary:** Matthew Hergert (NMLS 234563) is Loan Officer at Xpert Home Lending. Lists Arizona and California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Asset-based qualifying, Bank statement loan, Down payment assistance, DSCR loan and HELOC. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: Arizona (AZ, lender_reported), California (CA, 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

- **Asset-based qualifying** (`asset-based`): lender page, confidence 0.09, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/matthew-hergert
- **Bank statement loan** (`bank-statement`): lender page, confidence 0.09, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/matthew-hergert
- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.09, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/matthew-hergert
- **DSCR loan** (`dscr`): lender page, confidence 0.09, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/matthew-hergert
- **HELOC** (`heloc`): lender page, confidence 0.09, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/matthew-hergert
- **ITIN borrower** (`itin`): lender page, confidence 0.09, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/matthew-hergert
- **Reverse mortgage** (`reverse`): lender page, confidence 0.09, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/matthew-hergert

## About

Matthew has 20+ years in mortgage lending since 2002, with particular expertise in specialty financing for self-employed borrowers, fix-and-flip deals, short-term rentals, and complex financial situations. He serves Arizona and California.

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/matthew-hergert, verified 2026-10-09.
- education: Technical expertise from successful career in telecommunications engineering. Source: https://xperthomelending.com/loan-directory/matthew-hergert, verified 2026-10-09.
- credential: Licensed since 2005. Source: https://xperthomelending.com/loan-directory/matthew-hergert, verified 2026-10-09.
- other: Access to relationships with more than 120 lenders. Source: https://xperthomelending.com/loan-directory/matthew-hergert, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| 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 |

## Employment history

- ? to present: Xpert Home Lending (NMLS 2179191). Source: https://xperthomelending.com/loan-directory/matthew-hergert, 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/234563

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/matthew-hergert
- Office phone and Email on file: shown at https://lendb.ai/lo/matthew-hergert-234563#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/234563
- lender_site: https://xperthomelending.com/loan-directory/matthew-hergert

Cite as: Matthew Hergert (NMLS 234563), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/matthew-hergert-234563, last verified 2026-10-09.

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