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Heidi Hernandez

Strategic lending for home, lifestyle & long-term wealth.

Heidi Hernandez · Loan Officer

NMLS# 2810962

Heidi Hernandez

Mortgage Advisor

Xpert Home Lending Inc.

NMLS# 2810962

+18084937644
About

Meet Heidi

The right mortgage should support the life you want to build.

Areas Served

CO HI MI OR TX WA

I’m a licensed mortgage broker with Xpert Home Lending, bringing more than a decade of real estate experience to the lending side of the transaction. Before becoming a mortgage broker, I worked as a real estate broker, brokerage owner, property manager, and investor — experience that gives me a unique perspective on how financing fits into the bigger picture of homeownership, investing, and long-term wealth.

Real estate has played a meaningful role in shaping my own life and the opportunities I’ve been able to create for my family. That experience is a big part of why I approach lending as more than simply getting a loan approved. I believe the right financing strategy should support where you are today while also considering where you want to go next.

I work with buyers, homeowners, and investors on everything from first homes and refinances to vacation and second homes, investment properties, land, construction financing, and more complex lending scenarios. As a mortgage broker, I have access to a broad network of lending partners, which allows me to look beyond a one-size-fits-all approach and find solutions that fit each client’s individual goals.

My approach is centered around clear communication, thoughtful strategy, and long-term relationships. Whether you’re purchasing your first home, restructuring existing debt, building an investment portfolio, or figuring out how to finance the next chapter, my goal is to help you understand your options and make confident, well-informed decisions.

Strategic lending for home, lifestyle & long-term wealth.

6 States Licensed
Heidi's Advantage

Why choose Heidi?
 
 
 
 

01

Speed That Sets Records

Xpert Home Lending consistently closes loans faster than the competition. A smoother process and happier clients.

02

Direct Access, Always

You work directly with your Xpert advisor and their team— no call centers, no runaround.

03

Proven Track Record

Thousands of successful closings backed by 5-star client reviews.

04

Hundreds of Options

Not all situations are Cookie Cutter. With over 150 possible lenders to match with your loan file, Heidi is uniquely capable of finding the perfect fit for your unique situation.

Plan Your Purchase

Mortgage Payment Calculator
 
 

Payment Estimator Heidi's Calculator
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Estimated Monthly Payment

$2,076

Principal & Interest $2,076
Loan Amount $320,000
Start Working with Heidi

No obligation. Takes about 2 minutes.

Client Reviews

Real Reviews from Heidi's Clients

"We cannot recommend Heidi enough! From start to finish, she went above and beyond to help us through the home-buying process. She was always available to answer our questions, explained everything in ..."

Read full review
shiadani resendiz
shiadani resendiz 2026-07-24
Google Review

"Heidi and her team were absolutely incredible! Timely, responsive, and knowledgeable. 10/10. Made my first time home buying experience an absolute breeze."

Emily O'Neill
Emily O'Neill 2026-07-24
Google Review

"Hiedi is so helpful. Wouldn’t have gotten funded without her."

Zacherias Fig
Zacherias Fig 2026-07-01
Google Review
Loan Programs

Available programs

Conventional Loans FHA Loans VA Loans USDA Loans Jumbo Loans Reverse Mortgages Bank Statement Loans Non-QM Loans ITIN Loans Asset Utilization Loans HELOCs Down Payment Assistance Bridge Loans DSCR Loans Commercial Loans Hard Money Loans
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Heidi

Heidi Hernandez

Mortgage Advisor

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Hey Heidi! I am Your Name, came across your profile on the Xpert Website and am wanting some help on a home purchase. What would be my next steps?

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