Your Trusted California Loan Officer — Helping Families Buy, Refinance & Build Real Wealth
With over 20 years of experience, Garry McDonald guides California families through every step of the home loan process — with honesty, clarity, and a personal touch.
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.
Want to talk through your situation?
Every scenario is different — a quick call can save you time, money, and headaches.
What My Clients Say
Real reviews from real California homeowners who worked with Garry.
“Garry was absolutely fantastic throughout our entire home buying process. He was always available to answer our questions, explained everything in terms we could understand, and made what could have been an overwhelming experience feel manageable and even enjoyable. His expertise and dedication to his clients truly sets him apart.”
“Working with Garry was a great experience from start to finish. He went above and beyond to find us the best rate and kept us informed every step of the way. Garry genuinely cares about his clients and it shows in everything he does. I would highly recommend him to anyone looking for a trustworthy and knowledgeable loan officer.”
Ready to have the same experience?
Let’s map out your numbers and next steps — no pressure.
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.
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.
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.
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Why Work With Garry?
Garry’s approach is built on values that put clients first — every single time.
Honesty & Transparency
No hidden fees. No surprises. Garry keeps you informed at every step of the process.
Client-First Approach
Your goals come first. Garry takes the time to understand your needs and find the right fit.
Fast Communication
Questions get answered quickly. Garry is known for being responsive and easy to reach.
Local CA Expertise
Deep knowledge of California’s unique real estate markets and lending landscape.
Industry Knowledge
Over 20 years of experience in mortgages and real estate — the expertise you can trust.
Proven Results
Hundreds of happy clients and 5-star reviews — results that speak for themselves.
Garry McDonald | NMLS #1922072 | DRE# 01781703 | Tried & True Home Loans | (949) 534-6686