My name is Ruben Garcia, and I’m a Mortgage Loan Originator with Equity Smart Home Loans. I specialize in helping first-time homebuyers, move-up buyers, and investors navigate the mortgage process with confidence. My approach is built on transparency, education, and personalized guidance—making sure my clients understand every step of their loan, not just the final numbers.

I believe buying or refinancing a home should feel empowering, not overwhelming. Whether you’re purchasing a new build, relocating, or exploring creative financing options, my goal is to structure a loan that aligns with your long-term financial goals.