---
canonical_url: https://lendb.ai/lo/yvette-garay-248317
json_url: https://lendb.ai/lo/yvette-garay-248317.json
nmls_id: 248317
last_verified: 2026-10-09
---

# Yvette Garay

Loan Officer at Xpert Home Lending. NMLS ID 248317 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/248317)).

**Summary:** 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 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 23 (source: https://xperthomelending.com/loan-directory/yvette-garay, verified 2026-10-09)
- Licensed in: California (CA, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: Spanish
- Profile: unclaimed
- Status: active

## Specialties


## 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.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 23. Source: https://xperthomelending.com/loan-directory/yvette-garay, verified 2026-10-09.
- service_area: Sacramento region. Source: https://xperthomelending.com/loan-directory/yvette-garay, verified 2026-10-09.
- role: Mortgage broker. Source: https://xperthomelending.com/loan-directory/yvette-garay, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Xpert Home Lending (NMLS 2179191). Source: https://xperthomelending.com/loan-directory/yvette-garay, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/248317

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/yvette-garay

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/248317
- lender_site: https://xperthomelending.com/loan-directory/yvette-garay

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

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