---
canonical_url: https://lendb.ai/lo/michelle-gertzman-2146593
json_url: https://lendb.ai/lo/michelle-gertzman-2146593.json
nmls_id: 2146593
last_verified: 2026-10-09
---

# Michelle Gertzman

Loan Officer at Xpert Home Lending. NMLS ID 2146593 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2146593)).

**Summary:** Michelle Gertzman (NMLS 2146593) is Loan Officer at Xpert Home Lending. Licensed in 6 states: Colorado, Georgia, Illinois, South Carolina, Texas and Wyoming. Focus areas shown on the lender page: Real estate investor, FHA loan, Jumbo loan, USDA loan and VA loan. States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Years licensed: unknown
- Years experience (stated by the LO): 20 (source: https://xperthomelending.com/loan-directory/michelle-gertzman, verified 2026-10-09)
- Licensed in: Colorado (CO), Georgia (GA), Illinois (IL), South Carolina (SC), Texas (TX), Wyoming (WY)
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/michelle-gertzman
- **FHA loan** (`fha`): lender page, confidence 0.50, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/michelle-gertzman
- **Jumbo loan** (`jumbo`): lender page, confidence 0.50, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/michelle-gertzman
- **USDA loan** (`usda`): lender page, confidence 0.50, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/michelle-gertzman
- **VA loan** (`va`): lender page, confidence 0.50, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/michelle-gertzman

## About

Michelle is a mortgage advisor and non-practicing realtor with 20+ years in real estate, focused on helping clients build net worth through real estate investments.

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/michelle-gertzman, verified 2026-10-09.
- role: Mortgage Advisor and non-practicing realtor. Source: https://xperthomelending.com/loan-directory/michelle-gertzman, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Issued | Source | Verified |
|---|---|---|---|---|---|---|
| CO | state_license | 100526588 | active | 2021-08-20 | state_regulator | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| IL | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| SC | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| TX | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| WY | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Xpert Home Lending (NMLS 2179191). Source: https://xperthomelending.com/loan-directory/michelle-gertzman, verified 2026-10-09.

## Disciplinary actions

None on record at LenDb (regulator orders are not loaded yet; check NMLS Consumer Access).

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/michelle-gertzman
- Office phone on file: shown at https://lendb.ai/lo/michelle-gertzman-2146593#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2146593
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=281578&contact=504820
- lender_site: https://xperthomelending.com/loan-directory/michelle-gertzman

Cite as: Michelle Gertzman (NMLS 2146593), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/michelle-gertzman-2146593, last verified 2026-10-09.

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