"Shane was proactive and detail-focused. When rates shifted, he reached out quickly to review improved refinancing opportunities."
Zaniyah Polk
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 help buyers in California find the loan that fits. I'll tell you plainly when a loan doesn't make sense.
ShaneShane Valente · NMLS 279284
One conversation. No application, no credit pull.
Tell Shane what you're trying to do. Shane takes it from there.
Start the conversation
You're in
Thanks, there. Shane has your details.
- Shane 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
Shane Valente, NMLS #279284
Licensed in California
What happens next
Three Steps. No Pressure.
- 01
Tell Shane your goal
Share a few basics so Shane 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. Shane compares programs, pricing, and guidelines across them and highlights the options that fit you best.
- 03
You choose your path
Talk to Shane, get a written preapproval, or keep the numbers for now. Your call.
Proof
Borrowers Who Work with Shane
"Shane was a great help in every step of the way with our purchase. He was very helpful and informative and above all a good person that was available to any questions I had. As a first time home buyer he helped catch me ..."
erik tejeda
"Working with SV Mortgage Group was hands down the easiest financial experience I have ever had. Shane answers his phone right away and always finds a creative path forward when things get complicated."
Stephen Scott
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, Shane asks for your permission first and tells you whether it's a soft or hard inquiry.
No. Your details go to Shane and Xpert Home Lending's secure system so Shane 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 Shane 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 Shane has your income documents and your permission to run credit. If you're about to write an offer, say so and Shane will prioritize it.