Yvette Garay

Loan Officer at Xpert Home Lending

NMLS ID 248317 (opens in a new tab) · verify at NMLS Consumer Access

Yvette Garay (NMLS 248317) is Loan Officer at Xpert Home Lending. Lists California on the lender page (not yet checked with the state regulator). Speaks Spanish. States 23 years of experience.

Last verified . Sources: Xpert Home Lending (xperthomelending.com) and NMLS Consumer Access (license status, check live).

Specialties

None listed on the lender page yet.

    Evidence levels, strongest first: production data, lender page, self-reported.

    Languages

    • Spanish

    Source: lender site (opens in a new tab), verified 2026-10-09

    Licensed states

    AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

    California

    Lender-reported: CA is listed on the lender page, not yet checked with the state regulator.

    Contact

    No public business contact on file.

    View profile at Xpert Home Lending (opens in a new tab)

    We never see who you contact.

    Employment history

    1. Xpert Home Lending NMLS 2179191

      Current · seen on lender site 2026-10-09

    Disciplinary history

    Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

    About

    Yvette is a bilingual mortgage broker with over 23 years of lending industry experience, serving the Sacramento region. She emphasizes personalized service, face-to-face meetings, and clear communication to help families understand loan options.

    Our summary of the lender page. Verified 2026-10-09.

    Serves
    Sacramento region
    Source (opens in a new tab), verified 2026-10-09
    Role
    Mortgage broker
    Source (opens in a new tab), verified 2026-10-09

    Sources

    Name and employerlender site · xperthomelending.com (opens in a new tab)verified 2026-10-09
    Licensed stateslender site · xperthomelending.com (opens in a new tab)verified 2026-10-09
    Languageslender site · xperthomelending.com (opens in a new tab)verified 2026-10-09
    Summarylender site · xperthomelending.com (opens in a new tab)verified 2026-10-09
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: Yvette Garay (NMLS 248317), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/yvette-garay-248317, last verified 2026-10-09.

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    Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.