---
canonical_url: https://lendb.ai/lo/michelle-guldan-1853142
json_url: https://lendb.ai/lo/michelle-guldan-1853142.json
nmls_id: 1853142
last_verified: 2026-10-09
---

# Michelle Guldan

Loan Officer at Xpert Home Lending. NMLS ID 1853142 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1853142)).

**Summary:** Michelle Guldan (NMLS 1853142) is Loan Officer at Xpert Home Lending. Lists Virginia on the lender page (not yet checked with the state regulator). Licensed since 2022 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2022 (per Florida records). This is license history on file, not total experience.
- Licensed in: Virginia (VA, 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


## Facts from the lender page and intro

- service_area: VA. Source: https://xperthomelending.com/loan-directory/michelle-guldan, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO105655 | expired | confirmed | 2022-04-09 | state_regulator | 2026-10-09 |
| VA | 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/michelle-guldan, 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/1853142

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/michelle-guldan
- Office phone on file: shown at https://lendb.ai/lo/michelle-guldan-1853142#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1853142
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://xperthomelending.com/loan-directory/michelle-guldan

Cite as: Michelle Guldan (NMLS 1853142), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/michelle-guldan-1853142, last verified 2026-10-09.

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