Headshot of Erika Garcia

Erika Garcia

Sr. Loan Officer

Modesto, CA Mortgage Lender

NMLS #1561873

3001 Coffee Rd., Suites 2 & 7
Modesto, CA 95355
Contact Methods
tel Phone
mobile Mobile
(408) 963-8186
fax Fax


About Erika

Before I became a loan officer, I began my career as a processor and worked my way into sales. Today, I’ve been working in the mortgage industry for over 10 years – and I love what I do. I’ve been very blessed to be able to help families get into the home of their dreams, and I can’t wait to help you create new memories in a home you’ll enjoy.

When you come to me for your home loan, I’ll start by listening. Getting to know you and understanding your goals and finances allows me to help you take the next step toward achieving your homeownership dreams. My collection of loans includes conventional, FHA, VA, USDA, and many innovative financing programs. We’ll explore every option to ensure you find the right home loan. As someone who loves helping others, I’m excited by the opportunity to assist you in your home financing journey!


  • Purchase and Refinance
  • Purchase
  • Refinance Loans
A potential first-time homebuyer looking at down payment assistance options on a laptop with her cat

Down payment assistance

Turn years from now into today


Saving for a down payment can be a challenge, we get that. With our variety of down payment assistance (DPA) programs for conventional and FHA loans, you could buy a home with little or no cash.

For most of these programs, one buyer must be a first-time homebuyer, and homebuyer education and other requirements may apply.

We make home happen. Contact me today to see which option is best for you.

Learn more

Recent Posts and Articles


Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at 209-360-0314