Privacy Policy

Xpert Home Lending, Inc. DBA Keystep Financial (“Company,” “we,” or “us”) is committed to protecting your privacy, whether in electronic or physical format. This Privacy Policy governs the manner in which we collect, use, maintain, and disclose information collected from you.

Personal Identification Information

We may collect personal information from you in a variety of ways, which may include identifying information such as name, address, telephone number, Social Security number, credit history, employment and income information, bank account balances, and payment history.

Non-Public Personal Information

We may collect nonpublic personal information on applications and other forms you complete, through conversations with our loan originators, processors, or other representatives, and in some cases through our website. We may also collect information from other sources in order to process and/or underwrite your loan, including employers, attorneys, banks, title insurers, insurance companies, and credit reporting agencies. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

How We Use Your Personal Information

We collect and use information about you to serve your financial needs, provide mortgage products and services, verify identity and prevent fraud, communicate with you regarding products and services, respond to inquiries and fulfill legal/regulatory obligations. We may continue to share your information even after you are no longer a customer, as permitted or required by law.

Safeguarding Personal Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services. Our policies require all employees, current and former, to safeguard customer information. We maintain physical, electronic, and procedural safeguards that comply with federal regulations. Information is retained as long as necessary to provide services, resolve disputes, enforce agreements, and comply with applicable federal and state record-keeping laws (generally five (5) to seven (7) years).

Non-Sharing Clause

No mobile information will be shared with third parties/affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Use of Credit Bureau Data

We may obtain consumer information from credit reporting agencies, including prescreened lists (sometimes called “trigger leads”), in compliance with the Fair Credit Reporting Act (FCRA). This information is used only for permissible purposes, such as offering you mortgage products for which you may qualify.

Prescreen Opt-Out Notice


If you receive a prescreened offer of credit and prefer not to receive such offers, you may opt out by calling 1-888-5-OPT-OUT (1-888-567-8688) or visiting www.optoutprescreen.com

Use of Cookies

Our website may use cookies to measure site activity and enhance your experience. Cookies do not capture or store sensitive personal information. You may configure your browser to refuse cookies, though some parts of our site may not function properly.

Third-Party Websites

Our website may link to third-party websites. We do not control these websites and are not responsible for their privacy practices. Your interaction with such websites is subject to their own terms and policies.

California Do Not Track Notice

We do not track customers’ personal information across third-party websites. Third parties that provide content, analytics, or advertising on our site may collect usage data but not personal information unless you directly provide it and consent.

Testimonials

We may display personal testimonials of satisfied customers on our site. With your consent, we may post your testimonial along with your name. To update or remove a testimonial, contact us at [email protected]

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page, and continued use of our website indicates acceptance of the revised policy.

Contacting Us

If you have questions regarding this Privacy Policy, please contact us:

Xpert Home Lending, Inc. DBA Keystep Financial


1100 Satellite Blvd NW


Suwanee, GA 30024


Phone: 614-483-4188

Email: [email protected]