Utah
Primary state
Licensed by the Utah Department of Financial Institutions.
Comprehensive information about our licenses, certifications and regulatory compliance for your peace of mind.
Nationwide Multistate Licensing System & Registry — verifiable license data.

Loan Officer
Mortgage Company
You can verify our licenses and regulatory information on the official NMLS system.
Verify on NMLS Consumer AccessPedro Lira is licensed to operate in the following states.
Primary state
Licensed by the Utah Department of Financial Institutions.
Active
Licensed under the Idaho Department of Finance.
Active
Licensed under the Nevada Division of Financial Institutions.
Active
Licensed under the California Department of Financial Protection and Innovation (DFPI).
Active
Licensed under the Texas Department of Savings and Mortgage Lending (SML).
Active
Licensed under the Florida Office of Financial Regulation (OFR).
Active
Licensed under the Colorado Division of Real Estate (Mortgage Loan Originator licensing).
Key information about regulatory compliance and operating practices.
Xpert Home Lending and Pedro Lira are committed to equal housing opportunity. We do not discriminate based on race, color, religion, sex, disability, familial status, national origin, sexual orientation or gender identity. We comply with all applicable fair housing laws.
Pedro Lira (NMLS #318973) is a licensed loan officer operating under Xpert Home Lending (NMLS #2179191). All lending activity is subject to oversight by the applicable state and federal authorities.
Verify on NMLS Consumer Access →We protect your personal information in accordance with applicable federal and state laws, including the Gramm-Leach-Bliley Act and other financial privacy regulations. Your data is kept confidential and secure.
View full Privacy Policy →We comply with all applicable federal and state regulations, including TRID, RESPA, TILA, SAFE Act and all state mortgage licensing laws. Our practices are audited regularly.
We're here to answer any question about our licenses, compliance or processes.