STATE OF CALIFORNIA
DEPARTMENT OF REAL ESTATE

In reviewing a licensee's information, please be aware that license discipline information may have been removed from a licensee's record pursuant to Business & Professions Code Section 10083.2 (c). However, discipline information may be available from the California Department of Real Estate upon submittal of a request, or by calling the Department's public information line at 1-877-373-4542.
The license information shown below represents public information. It will not reflect pending licensing changes which are being reviewed for subsequent updating. Although the business and mailing addresses of real estate licensees are included, this information is not intended for mass mailing purposes.
Some historical disciplinary action documents may not be in compliance with certain accessibility functions. For assistance with these documents, please contact the Department's Licensing Flag Section.

License information taken from records of the Department of Real Estate on 12/7/2025 1:02:59 PM
License Type:
SALESPERSON

Name:
Cepeda, Michael Jon

Mailing Address:
1281 BECKETT DRIVE
ROSEVILLE, CA 95747

License ID:
01170946

Expiration Date:
11/08/25

License Status:
LICENSED

Salesperson License Issued:
11/09/93 (Unofficial -- taken from secondary records)

Former Name(s):
NO FORMER NAMES

Responsible Broker:
License ID: 02166758
Xpert Home Lending Inc.
3017 DOUGLAS BLVD STE 300
ROSEVILLE, CA 95661

Former Responsible Broker:
License ID: 01947583
CTM Loans Inc
From 03/15/2022 to 07/18/2022

License ID: 02058505
Answer Home Loans, Inc.
From 07/09/2018 to 03/14/2022

Comment:
NO DISCIPLINARY ACTION

NO OTHER PUBLIC COMMENTS

>>>> Public information request complete <<<<