Business Details
Your Trusted Mortgage Brokers in San Jose, CA
As a dedicated mortgage advisory team led by Eric Garnicki, we specialize in guiding clients through the complexities of home financing. With over two decades of combined experience in the industry, our approach prioritizes personalized service and tailored solutions for every client. Our expertise spans home purchases, refinancing, VA loans, and reverse mortgages, ensuring comprehensive support for diverse financial needs. We leverage advanced tools and deep market knowledge to secure competitive rates and streamline the loan process. Backed by Eric Garnicki Corporation, our team maintains a strong commitment to transparency, responsiveness, and ethical practices.Clients consistently praise our ability to simplify complex transactions and deliver exceptional results, whether for first-time buyers or seasoned investors. Our focus on education empowers clients to make informed decisions, while our local market expertise in San Jose enhances service quality. Through continuous communication and attention to detail, we ensure a seamless experience from application to closing. Our track record of successful transactions reflects our dedication to client satisfaction and long-term relationships built on trust.
Services
Home Purchase Loans
Home Refinance
VA Loans
Renovation Loans
Reverse Mortgages
First-Time Buyer Programs
Self-Employed Mortgages
Down Payment Assistance
Equity Leverage Strategies
Veteran Loan Programs
Highlights and features
- We offer personalized mortgage solutions tailored to individual financial situations.
- Our team provides 24/7 availability for urgent client questions and support.
- We guarantee competitive rate comparisons across multiple lending institutions.
- Our process includes comprehensive mortgage education resources for clients.
- We maintain a 98% client satisfaction rate based on recent transaction feedback.
What people say
Personalized service
Exceptional attention
Competitive rates
Timely responses
Successful closings
Services
Home Purchase Loans
We specialize in conventional, FHA, and jumbo loans for homebuyers. Our process includes pre-approval guidance, rate locking, and closing coordination. Clients benefit from our extensive lender network and personalized rate comparisons to secure optimal terms.
Home Refinance
Our refinance services help homeowners reduce monthly payments, shorten loan terms, or access equity. We analyze current mortgage terms against market conditions to determine refinancing viability and execute seamless transitions.
VA Loans
We provide specialized mortgage solutions for veterans and active military personnel. Our VA loan program offers competitive rates, zero down payment options, and dedicated support through the unique VA approval process.
Renovation Loans
Our renovation loan programs finance property upgrades alongside purchase or refinance. We handle both FHA 203(k) and conventional renovation products with integrated project management support for major remodeling projects.
Reverse Mortgages
We offer FHA-insured reverse mortgages for homeowners aged 62+. Our counselors explain eligibility requirements, payment options, and estate implications to help seniors access home equity while maintaining ownership.
People
Eric Garnicki
Senior Mortgage Advisor
NMLS #363191 with 15+ years experience guiding clients through mortgage processes. Specializes in first-time homebuyer programs and complex loan structures while maintaining 5-star client satisfaction ratings.
Questions
What mortgage loan types do you offer?
We offer conventional, FHA, VA, USDA, jumbo, and reverse mortgages, along with specialized programs for first-time buyers and self-employed individuals.
How can I check my mortgage rate eligibility?
Use our online rate calculator or schedule a free consultation to receive personalized rate estimates based on your financial profile.
Do you offer VA loans for military members?
Yes, we specialize in VA loans with zero down payment options and dedicated support for veterans and active military personnel.
What areas do you serve?
We primarily serve San Jose, Silicon Valley, and Santa Clara County with mortgage services tailored to local market conditions.
Can I refinance with bad credit?
We evaluate each case individually, but generally recommend credit scores above 620 for conventional refinancing options with competitive terms.
How long does the mortgage process take?
Typical loan processing takes 30-45 days from application to closing, depending on documentation completeness and property appraisal timelines.
