Last Updated: August 26, 2026

Loans With Lety is operated by Letticia Hernandez through Xpert Home Lending. Xpert Home Lending respects your privacy and is committed to protecting the personal information you provide when visiting this website, contacting us, or requesting information about our mortgage products and services.

This Privacy Policy explains the types of information that may be collected through this website, how that information may be used, and the choices available to you regarding your information.

Information We May Collect

We may collect personal information that you voluntarily provide when you submit a form, request information, contact us, or otherwise interact with this website.

Depending on your interaction with us, this information may include:

• Name

• Email address

• Telephone number

• Mailing or property address

• Information related to your mortgage or home financing needs

• Information you voluntarily provide through forms, applications, or communications with us

We may also collect certain technical information automatically when you visit this website, such as your browser type, device type, IP address, pages visited, referring website, and general website usage information.

How We May Use Your Information

Information collected through this website may be used to:

• Respond to your questions or requests

• Provide information regarding mortgage products and services

• Assist with mortgage inquiries and the loan process

• Communicate with you regarding services you have requested

• Improve our website and user experience

• Maintain website security and functionality

• Comply with applicable legal, regulatory, licensing, and recordkeeping requirements

• Send marketing communications when permitted by applicable law and your communication preferences

Submitting information through this website does not guarantee approval for any mortgage product, interest rate, loan term, or other financing.

Communications and Marketing

If you provide your contact information and consent to receive communications, you may receive communications regarding mortgage products, services, your inquiry, or other relevant information.

You may request to stop receiving marketing communications at any time using the opt-out or unsubscribe method provided in the communication or by contacting us directly.

Opting out of marketing communications does not necessarily prevent us from contacting you regarding an existing transaction, application, requested service, or other non-marketing communication where permitted or required by law.

Text Messages and Telephone Communications

If you provide your telephone number and consent to receive calls or text messages, we may contact you at the number provided in accordance with applicable law and the consent you have provided.

Consent to receive marketing calls or text messages is not a condition of obtaining mortgage products or services.

You may revoke your consent to receive marketing communications as permitted by applicable law.

Message and data rates may apply to text messages depending on your mobile carrier and service plan.

Cookies and Website Technologies

This website may use cookies and similar technologies to support website functionality, understand how visitors interact with the website, and improve the website experience.

Your browser may allow you to block or delete cookies. Disabling certain cookies may affect the functionality or performance of portions of the website.

Sharing of Information

Personal information may be shared when reasonably necessary to respond to your request, provide mortgage-related products or services, support website or business operations, or comply with applicable legal and regulatory requirements.

We may also disclose information when required by law, regulation, legal process, regulatory authority, or governmental request.

We do not represent through this Privacy Policy that information will be shared with any particular third party unless such sharing is necessary or otherwise permitted by applicable law.

Information Security

Reasonable administrative, technical, and organizational measures may be used to protect personal information from unauthorized access, use, alteration, or disclosure.

However, no website, electronic transmission, or electronic storage method can be guaranteed to be completely secure. Please use appropriate care when submitting sensitive information online.

Third-Party Websites

This website may contain links to websites or services operated by third parties. We are not responsible for the privacy practices, security, or content of third-party websites. You should review the privacy policies of any third-party website you choose to visit.

Children's Privacy

This website and the mortgage services described on it are not intended for children under the age of 13, and we do not knowingly solicit personal information from children under the age of 13 through this website.

Changes to This Privacy Policy

This Privacy Policy may be updated periodically to reflect changes to our website, business practices, legal requirements, or services.

Any updates will be posted on this page with a revised "Last Updated" date.

Contact Us

If you have questions regarding this Privacy Policy or information submitted through this website, please contact:

Letticia Hernandez
Sr. Loan Officer
NMLS #2130551 | DRE #02202106
Loans With Lety / Xpert Home Lending
Email: lety@xperthomelending.com

Xpert Home Lending
NMLS #2179191
DRE #02166758

Equal Housing Lender

Loans With Lety is a division of Xpert Home Lending. All loans are subject to credit approval, applicable underwriting requirements, program guidelines, and property conditions. This website does not constitute a commitment to lend or guarantee of any loan product, rate, term, or approval.