Privacy Policy

This website and the contact form on it are operated by Xpert Home Lending, Inc. DBA CalState Mortgage, a real estate broker licensed by the California Department of Real Estate (DRE #02166758, NMLS #2179191). Preet Kalirai is a licensed loan officer (NMLS 281660, DRE #02097522). Where this policy says “we,” “us,” or “our,” it means Xpert Home Lending, Inc. DBA CalState Mortgage.

We collect the information you choose to give us, the information your device sends us, and the information we receive from people we work with on your behalf:

• What you tell us. Your name, email address, phone number, the lending need you select, and anything else you include when you use the contact form or speak with us by phone, text, or email.
• What your device tells us. Browser and device type, pages and content viewed, time spent on pages, the site that referred you, and approximate location derived from your IP address.
• What we receive from others.Information from referral partners such as a real estate agent who sends you to us, and information you provide to a lender or broker you authorize us to work with.

• Respond to your inquiry and provide mortgage and lending services.
• Discuss products, programs, and options that may fit your situation, and follow up with you by phone, text, or email.
• Serve and maintain an existing relationship with you.
• Meet legal, regulatory, and record-keeping obligations, including those of the California Department of Real Estate, the NMLS, and the Gramm-Leach-Bliley Act.
• Prevent fraud and keep this website secure.
• Understand how this website is used and improve it.

When you check the consent box on our contact form, you give us prior express written consent to contact you at the phone number and email you provide, including by automatic telephone dialing systems, artificial or prerecorded voice, text/SMS messages, and email, for marketing and informational purposes regarding mortgage products and services. Consent is not a condition of purchase. Message and data rates may apply and message frequency varies. Reply STOP to opt out of texts or HELP for help. You may revoke your consent at any time by telling us.

We do not sell your personal information for money. We may disclose it to:

• Service providers that run this website and our business, such as website hosting, customer relationship management, email and text messaging platforms, and analytics.
• Advertising partners that help us measure and improve our advertising. We use AdRoll, which may use cookies and similar technologies on this site to collect or receive information about your visit (such as pages viewed and device identifiers) and use it to provide measurement services and to show our ads to you on other websites. This may be considered “sharing” for cross-context behavioral advertising under California law; see “Your California privacy rights” below for how to opt out.
• Lenders, brokers, and other parties involved in a transaction you ask us to work on.
• Title, escrow, appraisal, and legal professionals when needed to complete a transaction.
• Others where required by law, regulation, or legal process, or to protect our rights, property, or safety.

Parties who handle information on our behalf are required to use it only for the purposes we specify.

We use cookies and similar technologies to keep the site working, remember your preferences, understand which pages are used, and measure our advertising. Our advertising partner AdRoll places cookies or similar technologies on this site for ad measurement and to show our ads on other websites. You can accept or refuse cookies in your browser settings; refusing some cookies may affect how the site works. To opt out of AdRoll and other participating companies’ targeted advertising, visit the Digital Advertising Alliance’s consumer opt-out page at optout.aboutads.info.

We keep personal information for as long as needed to provide services to you, maintain our records, resolve disputes, and meet legal retention requirements. Lending-related records may be kept for the periods required by applicable law.

We use administrative, technical, and physical safeguards appropriate to the sensitivity of the information we hold. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

If you are a California resident, the California Consumer Privacy Act as amended by the California Privacy Rights Act gives you the right to request that we disclose the personal information we collected about you, to request deletion or correction of that information, and to opt out of the sale or sharing of your personal information. We do not sell personal information for money. We do allow our advertising partner AdRoll to collect certain information through cookies for ad measurement and targeted advertising, which may be considered “sharing” under California law; you can opt out of that at any time through the Digital Advertising Alliance opt-out page linked in “Cookies and similar technologies” above, or by enabling a Global Privacy Control signal in your browser. You also have the right to limit use and disclosure of sensitive personal information.

To make a request, use the contact form on this website. We will verify your request using information you have already provided and will not discriminate against you for exercising these rights.

We do not disclose nonpublic personal information about consumers to nonaffiliated third parties except as permitted by law, such as to complete a transaction you request or to provide the products and services you ask for.

This website may link to websites we do not operate. We are not responsible for the privacy practices of those sites, and we encourage you to read their policies.

This website is not directed to anyone under 18, and we do not knowingly collect personal information from children.

We may update this policy as our services or the law change. When we do, we will revise the effective date at the top of this page.