About Jose Antonio Garcia
With over 20 years of experience in the mortgage industry, Jose Garcia is a trusted leader in home financing solutions for clients throughout the San Francisco Bay Area and beyond. As VP of Mortgage Lending, Jose specializes in helping homebuyers, homeowners, and real estate investors navigate the dynamic and competitive Bay Area real estate market with confidence and ease. Jose's extensive knowledge of conventional, jumbo, FHA, VA*, and non-QM loan programs allows him to tailor mortgage solutions to meet the unique needs of every client. Whether assisting first-time homebuyers looking to secure their dream home, helping seasoned homeowners refinance, or guiding investors expanding their real estate portfolios, Jose provides expert advice and seamless service at every stage of the home financing journey. Based in the heart of the Bay Area, Jose understands the fast-paced nature of the local housing market and stays ahead of trends to offer strategic guidance and competitive loan options. His commitment to clear communication, personalized service, and timely closings has earned him a strong reputation among clients, real estate agents, and business partners alike. If you're looking to buy, refinance, or invest in real estate in San Francisco, San Mateo, Santa Clara, Alameda, Contra Costa, or anywhere across California, Jose is your dedicated mortgage expert ready to help you achieve your goals. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. *Certainty Home Lending has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.
We can make it happen!
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Conventional loans
Conventional loans come in a variety of options and with excellent advantages for qualified applicants.
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Reverse Mortgages
A great option for homeowners over 62 who need additional income to supplement their retirement income or pay for long-term care.
Mortgage Calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Certainty Home Lending cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Certainty Home Lending for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Certainty Home Lending does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Certainty Home Lending. Certainty Home Lending its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 3940 North Ravenswood, Chicago IL, 60613