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Yvette Garay - Your Home Loan Specialist

Mortgage Broker

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Website | (916) 919-7889
8788 Elk Grove Blvd Bldg 3, Ste 12C, Elk Grove, CA 95624, USA

Opening Hours:
Monday: 8:00 AM – 6:00 PM
Tuesday: 8:00 AM – 6:00 PM
Wednesday: 8:00 AM – 6:00 PM
Thursday: 8:00 AM – 6:00 PM
Friday: 8:00 AM – 6:00 PM
Saturday: 8:00 AM – 6:00 PM
Sunday: 8:00 AM – 6:00 PM


Area Served:
Within 4 miles (6.4km) of 8788 Elk Grove Blvd Bldg 3, Ste 12C, Elk Grove, CA 95624, USA
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Welcome To Your Home Loan Specialist

At Your Home Loan Specialist, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

We work with more than 100 investors. This allows us to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial. Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we'll fit your needs!

Google Rating: 5.0 out of 5 stars (4 total ratings)

emily isabel gavidia
5 Star
Wow! Yvette is so incredibly personable and kind, she answered all of our questions and made our dream of buying a home come true. Without her help we would have struggled and had still been renting for who knows how long! I cannot rave enough at how easy she made the process and she found us the best rates in the market. Being on the younger side, buying a home felt out of reach but Yvette talked us through every step of the process and answered the hundreds of questions we had. After Yvette worked her magic, now we pay less for our home than we ever did renting! Our experience with Yvette left us more knowledgeable on home loans and my husband and I confidently recommend her to all of our friends and family!
Sunday 1st October 2023
Ehsan Akhtari
5 Star
It was very easy and on time.
Tuesday 7th February 2023
Mohammad Akhtari
5 Star
Great Service
Tuesday 7th February 2023
Yulinda Paredes
5 Star
It is a pleasure that Yvette is our representative in the loan, because we feel very confident with her and her work and she is always willing to help us in the best way with all the seriousness, respect and trust, Thank you very much Yvette!!
Wednesday 8th February 2023