Yvette Garay
Your Family Home Journey
Yvette Garay · Loan Officer
NMLS# 248317
Mortgage Advisor
Xpert Home Lending
NMLS# 248317
Meet Yvette
Areas Served
Proudly serving the Sacramento region, I am a bilingual (English/Spanish) mortgage professional with over 23 years of experience in the lending industry. I entered the mortgage business because I believe clients deserve to be treated the way I would want to be treated with honesty, respect, and clear communication. I truly love helping families understand their options and guiding them confidently through the home loan process.
As a mortgage broker, I work with multiple lenders, allowing me to provide a wide range of competitive loan options tailored to each client’s unique situation. What sets me apart is my personal approach. I value face-to-face meetings, attend signings whenever possible, and communicate consistently throughout the process.
I take the time to explain each step clearly, so my clients feel informed and empowered from start to finish.
Why choose Yvette?
Speed That Sets Records
Xpert Home Lending consistently closes loans faster than the competition. A smoother process and happier clients.
Direct Access, Always
You work directly with your Xpert advisor and their team— no call centers, no runaround.
Proven Track Record
Thousands of successful closings backed by 5-star client reviews.
Hundreds of Options
Not all situations are Cookie Cutter. With over 150 possible lenders to match with your loan file, Yvette is uniquely capable of finding the perfect fit for your unique situation.
Mortgage Payment Calculator
Estimated Monthly Payment
$2,076
No obligation. Takes about 2 minutes.
Available programs
Yvette Garay
Mortgage Advisor
Send Yvette a quick text!
Hey Yvette! 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?