Rafael Garcia - DRE 01386187 / NMLS 246783

Rafael Garcia - DRE 01386187 / NMLS 246783 I'm a CA licensed Real Estate and Mortgage Broker helping future home owners or investors achieve the American Dream.

If your looking to sell, buy or refinance, I can help with market analysis and review loan options that will fit your specific need. Rafael Garcia enjoys assisting customers to determine the most appropriate mortgage product for their unique needs. Rafael’s greatest strengths are his commitment and experience in analyzing product advantages and disadvantages. Just as important, Rafael enjoys his j

ob, particularly providing top-notch service to customers, helping customers solve problems, analyzing customer information and the opportunity to process loans efficiently and effectively. Building customer relationships brings tremendous satisfaction. He graduated from San Jose State University with a Bachelor of Arts in Social Work. He has completed specialized courses in Mortgage Planning, 203k loans, and holds the 203k certification.

08/12/2025

Here are the latest housing market statistics for Salinas, CA! If you'd like more detail on the market, what's available or how much your home might be worth, let's set up a meeting to discuss!

Get your mortgage approved faster. Experience speed, certainty and convenience and enjoy initial approvals in as little ...
01/18/2025

Get your mortgage approved faster. Experience speed, certainty and convenience and enjoy initial approvals in as little as 15 minutes. Contact me today!

Come in today for excellent communication, competitive rates, easy applications and fast closings.
01/17/2025

Come in today for excellent communication, competitive rates, easy applications and fast closings.

01/08/2025

Interest rates may have sidelined some buyers, but the real question is what are experts saying about home prices? See what a $400k home will cost you today vs in the future!


Interest rates may have sidelined some buyers, but the real question is what are experts sayingabout home prices? See what a $400k home will cost you today vs in the future!

Independent mortgage brokers have access to wholesale rates —the lowest in the industry. You can't get that with big ban...
01/04/2025

Independent mortgage brokers have access to wholesale rates —the lowest in the industry. You can't get that with big banks. Let's work together. Call today.
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Ready for a change? Even mortgages need some attention and adjustment from time to time. Refinancing could potentially l...
01/03/2025

Ready for a change? Even mortgages need some attention and adjustment from time to time. Refinancing could potentially lead to lower monthly payments or access to cash. Call me now!

We’re on a mission to help more families! If you know someone looking for mortgage assistance, send them our way. Your r...
01/02/2025

We’re on a mission to help more families! If you know someone looking for mortgage assistance, send them our way. Your referral could change their life!

Start the new year with a new home: Your fresh beginning awaits!
01/01/2025

Start the new year with a new home: Your fresh beginning awaits!

12/31/2024

Let's toast to the lessons learned, the memories made and the adventures ahead. Here's to an amazing year to come!

Did you know that needing a 20% down payment to buy a home is not always the case today? Various loan programs allow sma...
12/30/2024

Did you know that needing a 20% down payment to buy a home is not always the case today? Various loan programs allow smaller down payments, letting buyers keep the money for other expenses, such as closing costs, moving expenses and home repairs. Call or text me today!

Referrals are how I've been able to grow my business. If you know anyone looking for a home, help them achieve their dre...
12/28/2024

Referrals are how I've been able to grow my business. If you know anyone looking for a home, help them achieve their dream — refer them to me today!

You've managed your debt wisely and built outstanding credit as a result. Now, for your next purchase or refinance, it's...
12/27/2024

You've managed your debt wisely and built outstanding credit as a result. Now, for your next purchase or refinance, it's time to reap the rewards! Reach out to make sure you get the rate you deserve.

Address

Salinas, CA

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

Telephone

+18316827906

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