"Johnny Delgadillo handled all of our financial questions like a professional. At times, he was our lender pro and other times a therapist, financial analyst (maybe even marriage counselor). Everything worked quickly and ..."
Jane Beauchane
The Right Mortgage Is Simpler Than You Think.
Finding the right loan doesn't have to be complicated. Whether you're buying your first home, refinancing, or exploring your options, the process starts with one conversation, and the right guidance makes all the difference. We match you with the mortgage product and terms that fit your goals, your budget, and your life.
I've spent 21+ years helping buyers in California find the loan that fits. I'll tell you plainly when a loan doesn't make sense.
JohnnyJohnny Delgadillo · NMLS 237788
One conversation. No application, no credit pull.
Tell Johnny what you're trying to do. Johnny takes it from there.
Start the conversation
You're in
Thanks, there. Johnny has your details.
- Johnny reaches out personally, usually the same business day.
- You'll walk through the programs that fit your goal and see real numbers.
- You decide the next step: a written preapproval, a call, or keep the numbers for now.
Xpert Home Lending, Inc.NMLS #2179191Equal Housing Lender
Johnny Delgadillo, NMLS #237788
Licensed in California
What happens next
Three Steps. No Pressure.
- 01
Tell Johnny your goal
Share a few basics so Johnny understands your timeline and budget. That's the whole form.
- 02
We match programs across our lender network
Xpert works with a large network of lenders. Johnny compares programs, pricing, and guidelines across them and highlights the options that fit you best.
- 03
You choose your path
Talk to Johnny, get a written preapproval, or keep the numbers for now. Your call.
Proof
Borrowers Who Work with Johnny
"Johnny was a lifesaver! He came in as a hero for my clients when we were on the verge of losing their home due to their previous lender not being able to secure the loan. Johnny not only saved the transaction but did it ..."
Rebecca Schreiber
"Johnny is a professional home loan lender and a hard worker. Our recent house purchase was quite smooth and mostly owning to his excellent work. He is thoughtful, patient, good at communication, and responds to my ..."
Haiying Li
Before you fill out the form
The Questions That Stop People.
No. Sending this form doesn't touch your credit. If you decide to move toward a preapproval, Johnny asks for your permission first and tells you whether it's a soft or hard inquiry.
No. Your details go to Johnny and Xpert Home Lending's secure system so Johnny can follow up with you. We don't sell or rent your information to third parties. The privacy policy in the footer spells out exactly how it's used.
A bank can only offer its own programs. Xpert Home Lending works with a large network of lenders, so Johnny can compare programs, pricing, and guidelines across many of them and show you the options side by side. One conversation, many options, and you choose.
Often within one business day once Johnny has your income documents and your permission to run credit. If you're about to write an offer, say so and Johnny will prioritize it.