Meet the Team!

A woman with long wavy brown hair sitting on a white chair in a room with white panel walls, smiling, holding a laptop on her lap, wearing a dark brown dress and sheer tights.

Letticia Hernandez

Sr. Loan Officer

  • Hi friends! I’m Letticia Hernandez, a Senior Loan Advisor based in Sacramento, California. While I proudly call Sacramento home, I’m honored to serve clients throughout Northern California, the Bay Area, and Southern California.

    Now in my fifth year in the mortgage industry, I’ve dedicated my career to refining my craft and helping hundreds of first-time homebuyers, investors, and contractors achieve their real estate and financing goals. My business has been built almost entirely through referrals, a reflection of my commitment to exceptional customer service and trust-based relationships.

    Whether you’re buying your first home or expanding your investment portfolio, my team and I have the tools, experience, and passion to guide you every step of the way.

    When I’m not helping clients, you’ll find me spending time with my family, my fur baby, and exploring the beautiful places that make California so special. As a Sacramento native, I’m deeply rooted in my community and love giving back whenever I can.

    I believe transparency is key, and that relationships always come before transactions. My goal is simple: to make the home financing process as smooth, honest, and empowering as possible for every client I serve.

  • EMAIL: Lety@xperthomelending.com

    PHONE: (916) 385 - 9403

Pema Dolkar

Loan Officer Assistant

  •  Hi, I’m Pema Dolkar. I help guide clients through the intake and pre-approval process, making sure every step is organized, smooth, and stress-free. I hold a B.S. in Business Administration (Finance) from the University of the Pacific and bring over ten years of experience in hospitality and client relations.

    I’m fluent in English, Tibetan, and Chinese, which allows me to connect with clients from diverse backgrounds and ensure they feel supported throughout their home-buying journey.

    I’m passionate about helping families achieve their dream of homeownership and continuing to grow in real estate finance. My long-term goal is to become a licensed loan officer and a real estate agent, and expand into real estate investing and business ownership. Outside of work, I enjoy working out or doing hot yoga, reading, bartending, and launching my own food truck business, Sac Spuds, which blends my creativity and entrepreneurial spirit.

  • EMAIL: Pemadolkar714@gmail.com

    PHONE: (916) 245 - 8391