---
canonical_url: https://lendb.ai/lo/sheila-garcia-1038297
json_url: https://lendb.ai/lo/sheila-garcia-1038297.json
nmls_id: 1038297
last_verified: 2026-10-09
---

# Sheila Garcia

Mortgage Advisor at Xpert Home Lending. NMLS ID 1038297 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1038297)).

**Summary:** Sheila Garcia (NMLS 1038297) is Mortgage Advisor at Xpert Home Lending. Licensed in Florida, confirmed with the state regulator (license LO125783). Also lists Alabama, California, Georgia, Michigan, Nevada and Tennessee on the lender page (not yet checked with the state regulator). Licensed since 2024 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2024 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), California (CA, lender_reported), Georgia (GA, lender_reported), Michigan (MI, lender_reported), Nevada (NV, lender_reported), Tennessee (TN, 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

Sheila has been in the mortgage industry since 2003 and serves borrowers in 7 states (AL, CA, FL, GA, MI, NV, TN).

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

## Facts from the lender page and intro

- years_experience: since 2003. Source: https://xperthomelending.com/loan-directory/sheila-garcia, verified 2026-10-09.
- service_area: 7 states: AL, CA, FL, GA, MI, NV, TN. Source: https://xperthomelending.com/loan-directory/sheila-garcia, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO125783 | active | confirmed | 2024-01-31 | state_regulator | 2026-10-09 |
| AL | 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 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NV | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | 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/sheila-garcia, 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/1038297

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/sheila-garcia
- Office phone on file: shown at https://lendb.ai/lo/sheila-garcia-1038297#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1038297
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://xperthomelending.com/loan-directory/sheila-garcia

Cite as: Sheila Garcia (NMLS 1038297), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/sheila-garcia-1038297, last verified 2026-10-09.

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