Your Local Mortgage Specialist

Your Home.
Your Dream.
Let's Get There.

Expert mortgage guidance with a personal touch — helping families across 49 states achieve homeownership with confidence and clarity.

FHA Loans VA Loans Conventional Refinance First-Time Buyers Licensed in 49 States
(951) 265-7509

Start Your Application

Get pre-qualified in minutes — no obligation, no credit pull.

🔒 Your information is secure and never shared.

Why Choose Daniel

A Mortgage Partner
Who Works for You

I combine genuine personal service with the strength of Barrett Financial Group — giving you more options, faster closings, and someone who actually picks up the phone.

Personal Service

You work directly with Daniel — not a call center. Real answers, real conversations, at every step of the process.

49-State Lending

Licensed across 49 states and backed by Barrett Financial Group — one of the nation's most trusted mortgage lenders.

Clear Communication

No surprises. I'll walk you through every milestone so you always know where you stand and what's coming next.

Licensed & Trusted

NMLS #1716634. Fully licensed and compliant, with the full backing of Barrett Financial Group behind every loan.

Daniel Garcia, Mortgage Loan Officer
Daniel Garcia and family
About Daniel

A Local Advisor You Can Actually Trust

I got into the mortgage industry in 2019 for a simple reason: I wanted to be part of the most important financial decision most people ever make — and I wanted to do it with the kind of personal care that actually changes the experience.

Before mortgage lending, I spent years sharpening my customer service instincts. When I saw the opportunity to put those skills toward helping families achieve homeownership, it was an easy choice. There's nothing quite like handing someone the keys to their first home.

I love working with first-time buyers and anyone who appreciates having a true partner through the loan process — someone who explains every step, answers every question, and doesn't disappear after the application is submitted.

I've called Murrieta, CA home since 1999. I'm married (since 2014) and a proud dad of five — and when I'm not working with clients, you'll find me on the sidelines coaching my kids in sports. Family is everything to me, and that same commitment shows up in how I treat every client.

49States Licensed
6+Years in Mortgage
2014Married
5Kids
Coming Sept 2026 🎉
Loan Programs

Find the Right Loan for You

From first-time buyer programs to jumbo loans and refinancing, I'll match you with the program that fits your goals and your life.

FHA Loans Popular

Ideal for buyers with lower down payments or building credit. Government-backed with flexible qualification requirements.

  • As low as 3.5% down
  • Flexible credit guidelines
  • Competitive interest rates

VA Loans Veterans

Exclusive benefits for eligible veterans, active-duty service members, and surviving spouses — you've earned it.

  • $0 down payment
  • No private mortgage insurance
  • Competitive VA rates

Conventional Loans

Flexible financing for buyers with strong credit profiles. Available in fixed and adjustable-rate options.

  • Down payments from 3%
  • Various term options
  • No upfront mortgage premium

Refinancing

Lower your rate, reduce your payment, or tap into your home's equity with a refinance strategy that makes sense.

  • Rate & term refinance
  • Cash-out refinance
  • Streamline options

First-Time Buyer Welcome

New to homeownership? I'll walk you through every step and help you find down payment assistance if you qualify.

  • Down payment assistance
  • Step-by-step guidance
  • Educational support

Jumbo Loans

Financing for higher-priced properties above conventional loan limits — with competitive terms and personal service.

  • Loan amounts above $766,550
  • Purchase or refinance
  • Primary & secondary homes
The Process

How It Works

Getting a mortgage doesn't have to be stressful. Here's exactly what to expect when you work with Daniel:

1

Free Consultation

We'll talk through your goals, timeline, and situation — no commitment, no pressure.

2

Pre-Qualification

Get a clear picture of your budget and a pre-qual letter to strengthen your offer.

3

Loan Application

Submit your application with my guidance. I'll walk you through every document.

4

Processing & Approval

I keep you updated through underwriting and communicate any needs right away.

5

Close & Celebrate

Sign the papers, get your keys, and welcome home. I'll be there to the finish line.

Common Questions

Frequently Asked Questions

New to the mortgage process? Here are answers to the questions I hear most often. Don't see yours? Just reach out.

Pre-qualification is a quick estimate of what you might borrow based on basic information you provide. Pre-approval goes deeper — your credit, income, and assets are actually verified, which makes your offer much stronger in a competitive market. I recommend getting pre-approved before you start shopping.
It depends on your loan type. FHA loans start at 3.5% down, conventional loans can go as low as 3%, and VA loans require $0 down for eligible veterans. There are also down payment assistance programs that may cover part or all of your down payment. Let's talk through your options — you may qualify for more help than you think.
Generally, a 620+ credit score qualifies for most conventional loans. FHA loans can go as low as 580 — or even 500 with a larger down payment. Every situation is different, and there are often things we can do to improve your position before applying. Reach out and let's take a look at your full picture together.
From application to close, most loans take 21–45 days. Having your documents ready upfront is the single biggest thing that keeps things moving. I'll give you a clear checklist on day one so nothing slows us down.
Typically you'll need: the last 2 years of tax returns, recent pay stubs (30 days), 2 months of bank statements, a valid government-issued ID, and your Social Security number. Self-employed borrowers may need additional documentation. I'll give you a personalized list so there are no surprises.
A fixed rate stays the same for the life of your loan — predictable, stable, and easy to budget around. An adjustable rate (ARM) typically starts lower but can change after an initial period. For most buyers planning to stay long-term, a fixed rate offers peace of mind. If you're planning to move or refinance in a few years, an ARM might make sense. We'll figure out what fits your situation.
Yes — student loans are factored into your debt-to-income ratio, but they don't automatically disqualify you. Many buyers successfully close with significant student loan balances. The key is looking at the full picture, not just one number. Reach out and let's see where you stand.
Closing costs typically range from 2–5% of the loan amount and include lender fees, title insurance, appraisal, and prepaid items like homeowner's insurance and property taxes. I'll provide a full Loan Estimate early in the process so you know exactly what to expect — no surprises at the closing table.
Tools

Mortgage Calculators

Run the numbers on your next home purchase, figure out what you can afford, or see if a refinance makes sense. These are estimates — when you're ready for real numbers, I'm here.

Monthly Payment Calculator

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Principal & interest only
Loan Amount
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Down Payment
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Total Interest
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Total Cost
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Want to see what you actually qualify for? Let's talk.

Get Pre-Qualified →

Affordability Calculator

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Max Home Price
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Based on 43% DTI guideline
Max Loan Amount
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Est. Monthly Payment
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Max Housing Budget
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Total DTI
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Actual numbers depend on your credit, taxes, and full financial picture.

Talk to Daniel →

Refinance Savings Calculator

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yr
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Monthly Savings
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Break-even in — months
Current Payment
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New Payment
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Break-Even Point
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5-Year Net Savings
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Wondering if now is the right time to refinance? Let's look at your actual loan.

Talk to Daniel →
Client Reviews

What Clients Are Saying

5.0
★★★★★
11 verified reviews  ·  Google & Experience.com
See All Reviews →
★★★★★
Google
"I've had the unique privilege of having Daniel help refinance my parents' loan and finance my own home. He's the epitome of professionalism and delivers incredible white glove service. You won't find a better lender."
J
John J.
February 2025
★★★★★
Google
"Daniel takes the time to truly listen and understand your needs and goals. He goes above and beyond to find the best solution for you, ensuring you and your family are set up for the best possible outcome."
S
Sabrina R.
February 2025
★★★★★
Experience.com
"I recently worked with Daniel to refinance my home, and the entire experience exceeded my expectations. From start to finish, he was knowledgeable, responsive, and extremely thorough. He took the time to clearly explain each step of the process."
R
Ryan G.
February 2026
★★★★★
Google
"Daniel was extremely helpful with our first home purchase. From the start, he was very professional and easy to work with. He is very trustworthy and took the time to explain many things we were confused about."
J
Janelle A.
May 2025
★★★★★
Google
"I would recommend Daniel Garcia with complete confidence to all my friends. He has an infinite amount of integrity, transparency, and professionalism, and is able to get you the best deals out there."
J
Jennie C.
March 2025
★★★★★
Google
"Daniel's proactive communication was stellar. If you're looking for someone you can trust to lead and guide you during the lending process, I can't recommend Daniel enough. Thanks for a great experience."
W
Westin E.
April 2025
★★★★★
Google
"Daniel was so helpful. He walked us through the process, answering any and all questions we had. We can't thank him enough and will use him for our next home purchase as well as refer him to friends and family."
J
Jose N.
February 2025
★★★★★
Google
"Daniel was incredible. Timing, accuracy, and knowledge are top notch. He and his team most definitely deserve your business, because they earn it."
A
Austin
March 2025
★★★★★
Google
"Daniel Garcia is knowledgeable, personable, and extremely reliable when you have questions throughout the process of purchasing a home. I can wholeheartedly recommend him! You won't regret it!"
V
Vince
February 2025
Get In Touch

Ready to Take the Next Step?

Reach out today for a free, no-pressure consultation. I'm here to answer your questions and help you move forward with confidence.

Call or Text(951) 265-7509
EmailDanielG@barrettfinancial.com
Licensed InBarrett Financial — 49 States
NMLS License#1716634 — Verify on NMLS