---
canonical_url: https://lendb.ai/lo/ricardo-c-sheard-2499823
json_url: https://lendb.ai/lo/ricardo-c-sheard-2499823.json
nmls_id: 2499823
last_verified: 2026-10-09
---

# Ricardo C.. Sheard

Mortgage Advisor at Xpert Home Lending. NMLS ID 2499823 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2499823)).

**Summary:** Ricardo C.. Sheard (NMLS 2499823) is Mortgage Advisor at Xpert Home Lending. Lists Georgia and New Jersey 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: Georgia (GA, lender_reported), New Jersey (NJ, 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

Independent mortgage broker offering FHA, VA, conventional, jumbo, and construction loans tailored to diverse customer needs.

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

## Facts from the lender page and intro

- role: Independent mortgage broker. Source: https://xperthomelending.com/loan-directory/ricardo-c-sheard, verified 2026-10-09.
- service_area: Georgia and New Jersey. Source: https://xperthomelending.com/loan-directory/ricardo-c-sheard, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NJ | 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/ricardo-c-sheard, 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/2499823

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/ricardo-c-sheard
- Office phone and Email on file: shown at https://lendb.ai/lo/ricardo-c-sheard-2499823#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2499823
- lender_site: https://xperthomelending.com/loan-directory/ricardo-c-sheard

Cite as: Ricardo C.. Sheard (NMLS 2499823), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/ricardo-c-sheard-2499823, last verified 2026-10-09.

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