Mario Garcia brings over a decade of experience in the mortgage industry, helping clients navigate today’s market with smart, strategic financing solutions and efficient, reliable execution. Known for his clear communication and results-driven approach, Mario is committed to making the loan process as smooth and straightforward as possible.
As a husband and father of three, he understands the true value of homeownership and takes pride in guiding families through one of life’s biggest milestones. Fluent in Spanish, Mario is passionate about serving his community with clarity, care, and confidence—ensuring every client feels informed and supported every step of the way.
Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.
FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.
If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!
Curious about refinancing your home in California? Rates are historically low and now may be the right time to start saving money every month!
Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!
