California purchase · refinance · home equity
California Home Loans,
Explained Clearly
I’m Garry McDonald, a California mortgage loan officer serving homebuyers and homeowners throughout the state. I’ll help you compare loan options, understand the costs, and choose financing that fits your plans.
20+ years across mortgage lending and real estate
NMLS #1922072 · DRE #01781703
Tried & True Home Loans
“He was always available when we had questions, communicated clearly”
— Jose Soria · Google review excerpt
“He was clear, communicative, and quick to respond throughout the transaction.”
— Marcos Soria · Google review excerpt
Start with your goal
What would you like to do?
You don’t need to know the name of a loan program. Start with what you’re trying to accomplish.
Buy a California Home
Understand your buying budget, down payment options, and what you’ll need for pre-approval before making an offer.
Explore home purchase options →Refinance Your Mortgage
Compare a new loan with the one you have. I’ll help you weigh the payment, closing costs, and how long you plan to keep it.
See how refinancing could fit →Use Your Home Equity
Explore financing for improvements or other goals, with a clear look at payments, costs, and the effect on your existing mortgage.
Understand your equity options →Looking for a specific program? Explore self-employed and bank statement loans, California jumbo loans, and VA home loans, or compare all loan types.
Why work with me
A loan decision deserves
a real conversation.
I’ve spent more than 20 years working across mortgage lending and real estate. That experience helps me connect the financing details with the bigger picture of buying or owning a home.
We’ll talk about your budget, timing, and priorities. Then I’ll explain the options and tradeoffs so you can decide what works for you.
More about Garry →Look beyond the rate
We’ll compare monthly payments, cash needed at closing, and loan costs together, so a lower advertised rate doesn’t tell only part of the story.
Prepare for your next move
For a purchase, I’ll help you understand the financing steps before an offer. For a refinance, we’ll consider the costs alongside your plans.
Know what’s happening
I’ll explain what documents are needed, what comes next, and what could affect your timeline. You’ll have someone to turn to when questions come up.
How it works
A clearer path from questions to closing.
Start with your plans
Schedule a conversation or send a few details below. If you’re ready, you can begin through my secure application portal.
Compare your options
I’ll review your situation and walk through available programs, estimated payments, and costs. We’ll discuss the tradeoffs before you choose.
Move toward closing
I’ll guide you through documentation, underwriting, and the closing steps, keeping you informed along the way. Approval and timing depend on your loan and circumstances.
Let’s talk about your plans
Prefer to start with a message?
Tell me what you’re considering and the best way to reach you. I’ll follow up to talk through your questions and next steps.
Please keep this message general. Use the secure application portal for financial documents or sensitive personal information.
Prefer a conversation?
(949) 534-6686 · Schedule a Call
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