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Matthew Hergert

Helping Clients Finance Their Next Chapter

Matthew Hergert · Loan Officer

NMLS# 234563

Matthew Hergert

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Mortgage Advisor

Xpert Home Lending Inc.

NMLS# 234563

(925) 997-5266
About

Meet Matthew

Helping clients finance their dreams and achieve homeownership is what makes this career so rewarding

Areas Served

AZ CA

Matt entered the mortgage industry in 2002 following a successful career in telecommunications engineering. When the dot-com crash created an unexpected career transition, Matt was determined to provide for his two young sons. He began by processing mortgage loans and quickly discovered a passion for helping people achieve the dream of homeownership.

Licensed since 2005, Matt brings a unique combination of technical expertise, attention to detail, and clear, straightforward communication to every transaction. He offers a wide range of financing solutions, including Conventional, FHA, VA, Jumbo, Non-QM, Commercial, and specialized programs for self-employed borrowers.

Matt also specializes in financing solutions that don’t always fit the traditional mortgage box, including Short-Term Rental and Investment Loans, Renovation and Construction Loans, Fix-and-Flip financing, and many other specialty loan programs. With relationships with more than 120 lenders, Matt has access to a broad range of lending options, allowing him to shop for the right loan based on each client’s unique goals and financial situation.

Whether helping a first-time homebuyer, a self-employed professional, a real estate investor, or someone with a more complex financial situation, Matt is committed to providing personalized guidance, consistent communication, and a smooth path to closing. His approach is simple: listen, understand the goal, explore the options, and find the financing solution that makes the most sense.

Outside of lending, Matt enjoys motorcycle travel with his wife, Sue, and spending time with his two grown sons. One is a former Marine who is pursuing a career in chiropractic care, while the other is thriving in the restaurant industry.

Ready to explore your options? Let’s talk. Whether you’re buying a home, refinancing, investing in real estate, or looking for a financing solution outside the traditional mortgage box, Matt is here to help. Reach out today and let’s find the right loan for your goals.

20+ Years Experience
2 States Licensed
Matthew's Advantage

Why choose Matthew?
 
 
 
 

01

Speed That Sets Records

Xpert Home Lending Inc. 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, Matthew is uniquely capable of finding the perfect fit for your unique situation.

Plan Your Purchase

Mortgage Payment Calculator
 
 

Payment Estimator Matthew's Calculator
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Estimated Monthly Payment

$2,076

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

No obligation. Takes about 2 minutes.

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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Matthew

Matthew Hergert

Mortgage Advisor

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Hey Matthew! 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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