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Xpert Home Lending

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Home Products Calculators Careers

Find My Advisor

Your Dedicated Advisor

Debra Jo Sheard

Loan Officer

NMLS# 2362321

(908) 208-5083 debras@xperthomelending.com

Start Working with Debra

Step 1 of 4

What is the purpose of your loan? *

Purchase

Refinance

Home Equity

Are you already working with someone at Xpert Home Lending?

Yes, I have an advisor I'll search for them

No, match me with an advisor We'll pair you with someone great

Search for your loan officer

Type of property *

How will you use this property? *

Is this your first time purchasing property? *

Yes No

Where are you in the home buying process? *

Would you like to be connected with a trusted real estate agent?

Yes No

Where is the property located? *

Estimated purchase price *

$

Estimated down payment *

$

Type of property *

How will this property be used? *

Where is the property located? *

Estimated property value *

$

Remaining mortgage balance *

$

Current interest rate *

%

Do you have a second mortgage? *

Yes No

Would you like to borrow additional cash? *

Yes No

Have you made any late mortgage payments in the last year? *

Estimated credit score *

Military status *

Employment status *

Gross annual income *

$

Have you filed for bankruptcy in the last 7 years? *

Yes No

Have you filed for foreclosure in the last 7 years? *

Yes No

Almost done! How can we reach you?

First Name *

Last Name *

Email *

Phone *

You're all set!

Thank you! Your inquiry has been submitted. Your loan officer will be in touch shortly.

Ready to submit your full application?

Apply Here

You're working with Debra. Choose how you'd like to begin.

Get Quote Answer a few quick questions to request a personalized quote Apply Now Begin your secure loan application

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XHL

Xpert Home Lending

Navigate the mortgage process with confidence. We make it easier, faster, and personal.

Xpert Home Lending, Inc. is a Real Estate Broker Licensed by the California Department of Real Estate DRE #02166758

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Contact

Corporate Office
100 High Point Parkway Suite 202
Braselton, GA 30517
(470) 660-5693

NMLS: 2179191

Xpert Home Lending is licensed in 44 jurisdictions. For a complete list of licensed areas click here.

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Copyright © 2026 Xpert Home Lending, Inc. | All Rights Reserved

This is not an offer to lend or extend credit. All loans are subject to credit approval. Terms and conditions apply. Programs, rates, terms, and conditions are subject to change without notice. Not all products are available in all states. Other restrictions and limitations may apply. Xpert Home Lending, Inc. Corporate NMLS #2179191. Equal Housing Lender. For licensing information, visit nmlsconsumeraccess.org.