CALIFORNIA PURCHASE • REFINANCE • HOME EQUITY
California Home Loans, Explained Clearly
Straightforward mortgage guidance from Garry McDonald, a California loan officer with more than 20 years of mortgage and real estate experience.
Meet Garry McDonald
With over 20 years in the mortgage and real estate industry, Garry McDonald has helped hundreds of California families purchase homes, refinance for better terms, and build lasting financial security. As a licensed Loan Officer and Realtor, Garry brings a rare dual perspective that ensures his clients get expert guidance from every angle. Whether you’re a first-time buyer or a seasoned investor, Garry is committed to making the process clear, comfortable, and stress-free.
Loan Programs
Garry specializes in a full range of California home loan solutions to fit your needs.
Conventional
Traditional financing with competitive rates and flexible terms.
FHA
Low down payment options ideal for first-time homebuyers.
VA
Exclusive benefits for veterans and active-duty service members.
Jumbo
Financing for high-value properties that exceed conforming limits.
Home Equity
Tap into your home’s equity for renovations, debt, or expenses.
Refinance
Lower your rate, reduce your term, or access cash from your home.
Non-QM
Flexible options for self-employed, investors, and unique situations.
Foreign National
Home financing solutions for non-U.S. citizens buying in California.
Construction
Build your dream home with specialized construction financing.
Commercial
Financing for investment properties and commercial real estate.
Not sure which loan is right for you? Let’s figure it out together.
How It Works
Getting your home loan with Garry is simple, transparent, and stress-free.
Apply Online
Fill out a quick, secure application — it only takes about 15 minutes. Garry will review your information and reach out to discuss your options.
Review Your Options
Garry will walk you through the best loan programs for your situation — including rates, terms, and estimated costs — so you can make a confident decision.
Close & Celebrate
Once your loan is approved, Garry handles the details so you can focus on what matters most — moving into your new home or reaching your financial goals.
Ready to get started?
The first step is simple — a quick call or application.
What My Clients Say
Real reviews from real California homeowners who worked with Garry.
“Garry was always available, explained everything clearly, and made an overwhelming home-buying process feel manageable and even enjoyable.”
“Garry went above and beyond, kept us informed at every step, and made it clear that he genuinely cares about his clients.”
Prefer to start online?
If you’d rather not hop on a call yet, send me a few details and I’ll reach out with personalized options.
or fill out the form below
By submitting this form, you agree that Garry may contact you about your mortgage inquiry. Your information is not sold.
Garry McDonald | NMLS #1922072 | DRE# 01781703 | Tried & True Home Loans | (949) 534-6686