---
canonical_url: https://lendb.ai/lo/scott-carlin-2613509
json_url: https://lendb.ai/lo/scott-carlin-2613509.json
nmls_id: 2613509
last_verified: 2026-10-09
---

# Scott Carlin

Loan Officer at Xpert Home Lending. NMLS ID 2613509 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2613509)).

**Summary:** Scott Carlin (NMLS 2613509) is Loan Officer at Xpert Home Lending. Licensed in Florida, confirmed with the state regulator (license LO133041). Also lists Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer and VA loan. Earliest state license record: November 6, 2024 (Florida), per state regulator. States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: November 6, 2024 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 20 (source: https://xperthomelending.com/loan-directory/scott-carlin, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Texas (TX, 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/scott-carlin
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/scott-carlin

## About

Scott Carlin is a 20-year U.S. Air Force veteran specializing in VA loans and military financing. He serves FL and TX, helping veterans, active-duty service members, and first-time homebuyers navigate their financing options.

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/scott-carlin, verified 2026-10-09.
- role: U.S. Air Force veteran. Source: https://xperthomelending.com/loan-directory/scott-carlin, verified 2026-10-09.
- credential: Background in residential real estate and real estate investing. Source: https://xperthomelending.com/loan-directory/scott-carlin, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO133041 | active | confirmed | 2024-11-06 | state_regulator | 2026-10-09 |
| TX | 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/scott-carlin, 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/2613509

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/scott-carlin
- Office phone and Email on file: shown at https://lendb.ai/lo/scott-carlin-2613509#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2613509
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://xperthomelending.com/loan-directory/scott-carlin

Cite as: Scott Carlin (NMLS 2613509), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/scott-carlin-2613509, last verified 2026-10-09.

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