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Megan Thoms

Your trusted mortgage advisor

Megan Thoms · Loan Officer

NMLS# 1532626

Megan Thoms

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Mortgage Advisor

Xpert Home Lending Inc.

NMLS# 1532626

(575) 770-9883
About

Meet Megan

Areas Served

CO NM TX

Megan Thoms knows New Mexico and Colorado real estate. She’s lived in Colorado and Northern New Mexico for the last 20 years and has a rich family history in the area too. Her family first came to New Mexico back in the 1860’s in search of gold and ended up staying when others left. Megan continues to make the mountains her home for her family.

Clients choose to work with Megan for her excellent communication, experience and expertise. Megan has consistently shown the ability to educate her clients on the various loan programs available to them. She is quick to respond and works hard to make sure every loan closes on time. Megan wants every one of her clients to feel valued and cared for.

Megan’s extensive knowledge of the New Mexico and Colorado markets coupled with Xpert's stellar reputation ensures that her clients have an excellent experience. In her spare time, Megan enjoys hiking with her husband and son, snowboarding, reading and traveling internationally.

3 States Licensed
Megan's Advantage

Why choose Megan?
 
 
 
 

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, Megan is uniquely capable of finding the perfect fit for your unique situation.

Plan Your Purchase

Mortgage Payment Calculator
 
 

Payment Estimator Megan's Calculator
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Estimated Monthly Payment

$2,076

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

No obligation. Takes about 2 minutes.

Client Reviews

Real Reviews from Megan's Clients

"Megan is the best lender I’ve worked with. Her dedication, knowledge, professionalism, and creative problem-solving are unmatched. As a realtor, I feel confident recommending her to clients every ..."

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Luisa Guercini
Luisa Guercini 2026-07-13
Review

"Megan is the person every woman wants by her side when buying a house. She answers all texts and calls nomatter what time it is and if she doesn't have the answer will definitely find it. Thank you ..."

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Kaylee Ledford
Kaylee Ledford 2026-08-13
Review

"If I could put six stars we would, start to finish Megan was professional, responsive and helpful. Can't say the same for our own agent or the title company but Megan was the glue that kept this deal ..."

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Eric Jackson
Eric Jackson 2022-10-13
Review

"Megan was our lifesaver when we were searching for a mortgage broker! We reached out to her, and she immediately got to work, finding us an amazing deal from different loan companies. She was there ..."

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Eat Your Mail
Eat Your Mail 2025-10-13
Review

"Without a doubt Megan is a Top Shelf Lender. Her Customer Care/Service goes above and beyond. She provided us with answers, some serious, some silly; due to my lack of knowledge in buying a house. ..."

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John Collin Jordan
John Collin Jordan 2025-10-13
Review

"North, South, East or West Megan is the best! Megan will always be my choice to handle all of our families home or business purchases! Megan is professional, thinks out side of the box, works hard ..."

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Tracy Baron
Tracy Baron 2023-10-13
Review

"Megan made our refinance so easy and stress-free! We came in not knowing what to expect, and she guided us through every step. She found us a great deal and kept everything moving smoothly — highly ..."

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Rae Stephani
Rae Stephani 2025-10-13
Review

"Our experience with Megan Thoms was exceptional. Her communication, concerns and work ethic were at the highest level. She continuously reached out and kept us informed on every step along our ..."

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Deborah Madrid
Deborah Madrid 2025-10-13
Review

"STOP!!! DONT EVEN THINK ABOUT USING ANY OTHER MORTGAGE BROKER! Megan was an absolute treasure in the home buying experience! She was quick in response time, knowledgeable and helped me through every ..."

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Mandy Crabb
Mandy Crabb 2025-10-13
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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Megan

Megan Thoms

Mortgage Advisor

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