Terms & Conditions

Last Updated: 08/26/2025

Welcome to the website of Xpert Home Lending, Inc. DBA Keystep Financial (“Company,” “we,” or “us”). By accessing or using this website, you agree to the following Terms & Conditions. If you do not agree, please discontinue use of this site.

1. Use of Website

You may view and print information from this website for personal, informational, and non-commercial purposes only. Content may not be modified, copied, distributed, reproduced, or displayed publicly without our prior written consent. Unauthorized use of site materials may violate copyright, trademark, or other laws.

2. No Guarantee of Loan Approval

Information provided on this site, including but not limited to loan estimates, rate quotes, pre-qualification or pre-approval information, is for general informational purposes only and does not constitute an offer, commitment to lend, or guarantee of loan approval. Final loan approval is subject to underwriting, verification, and satisfaction of all required conditions.

3. Licensing & Regulatory Disclosures

Xpert Home Lending, Inc. DBA Keystep Financial is a licensed mortgage broker (NMLS #2179191) and is licensed in AZ, CA, CO, FL, GA, MN, NC, OH, OR, PA, TN, and VA. State license numbers are displayed in the footer of this website. We are an Equal Housing Opportunity broker and comply with all federal and state fair lending laws. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, familial status, disability, sexual orientation, or gender identity.

4. Privacy, Data Collection & Communications

Your use of this site is also governed by our [Privacy Policy]. By using this website or submitting information, you consent to our collection, use, and retention of your information as described therein. Record Retention: We retain records as required by federal and state law, generally five (5) to seven (7) years. Text Messaging (SMS): By providing your mobile number, you consent to receive communications by text message. Message and data rates may apply. You may opt out at any time by replying STOP. No mobile information will be shared with third parties for marketing or promotional purposes. SMS opt-in data and consent will not be shared with third parties. Cookies: Our site may use cookies and similar technologies. See our Privacy Policy for details.

5. Credit Bureau & FCRA Compliance

We may use consumer credit information, including credit bureau data and trigger leads, in compliance with the Fair Credit Reporting Act (FCRA). You may have the right to limit prescreened offers of credit by visiting www.optoutprescreen.com

6. Disclaimers & Limitation of Liability

The information on this site is believed to be reliable, but we do not guarantee its accuracy, timeliness, or completeness. Content is provided “as is” without warranties of any kind. We are not responsible for any loss or damage arising from the use of this site, including indirect, incidental, or consequential damages. Website content is not intended to be legal, tax, accounting, or other professional advice. Please consult your own advisors before making decisions.

7. Third-Party Links

This site may contain links to third-party websites. We do not control or endorse such sites and are not responsible for their content or practices. Accessing third-party websites is at your own risk.

8. Changes to Terms

We may update these Terms & Conditions at any time without notice. Continued use of the website after changes are posted constitutes acceptance of those changes.

9. Contact Us

If you have questions regarding these Terms & Conditions, you may contact us at:

Xpert Home Lending, Inc. DBA Keystep Financial


1100 Satellite Blvd NW


Suwanee, GA 30024


Phone: 614-483-4188


Email: [email protected]