Headshot of Erika Garcia

Erika Garcia

Sr. Loan Officer

Modesto, CA Mortgage Lender

NMLS #1561873

Adress
3001 Coffee Rd., Suites 2 & 7
Modesto, CA 95355
Contact Methods
Email
tel Phone
209-360-0314
mobile Mobile
(408) 963-8186
fax Fax
209-360-0314
Apply Now

Awards

BBB Accredited Business A+
Inc. 5000
Top Work Places
Weatherhead 100
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Erika

Before I became a loan officer, I began my career as a processor and worked my way into sales. Today, I’ve been working in the mortgage industry for over 10 years – and I love what I do. I’ve been very blessed to be able to help families get into the home of their dreams, and I can’t wait to help you create new memories in a home you’ll enjoy.

When you come to me for your home loan, I’ll start by listening. Getting to know you and understanding your goals and finances allows me to help you take the next step toward achieving your homeownership dreams. My collection of loans includes conventional, FHA, VA, USDA, and many innovative financing programs. We’ll explore every option to ensure you find the right home loan. As someone who loves helping others, I’m excited by the opportunity to assist you in your home financing journey!

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans
A potential first-time homebuyer looking at down payment assistance options on a laptop with her cat

Down payment assistance

Turn years from now into today

 

Saving for a down payment can be a challenge, we get that. With our variety of down payment assistance (DPA) programs for conventional and FHA loans, you could buy a home with little or no cash.

For most of these programs, one buyer must be a first-time homebuyer, and homebuyer education and other requirements may apply.

We make home happen. Contact me today to see which option is best for you.

Learn more

Recent Posts and Articles

Blog

  • Image of a man using a saw while doing a home improvement project.
    Published on

    Loans For Home Improvement

    Discover how to finance home improvement projects with ease. Learn about the different loan options available, qualification requirements, and the application process.

  • Couple sitting together on couch researches a cash-out refinance loan on their cell phone.
    Published on

    What Is A Cash-Out Refinance Loan?

    Unlock your home's equity with a cash-out refinance loan. Get funds for renovations or debt consolidation. Learn how it works and if it's right for you.

  • Man sitting on couch reviews financial records to help calculate his debt-to-income ratio (DTI).
    Published on

    How to Calculate Debt to Income Ratio

    Learn how to calculate your Debt-to-Income Ratio (DTI) to assess your financial health for loans. Discover tips to lower DTI and secure better loan terms.

  • Garden featuring a mix of flowers that flourish in the homeowners plating zone.
    Published on

    What Planting Zone Am I In?

    Find your USDA Plant Hardiness Zone to select plants thriving in your climate. Explore plating zones from Alaska to Puerto Rico for a flourishing garden.

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

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