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Garibay, Ricardo
Mortgage Banker
Mobile Phone
Mobile Number
(562) 360-5607
NMLS#726200
Office Information
Office Phone
Main Number
(562) 360-5607
75 North Fair Oaks Avenue
Pasadena, California 91103
US
Areas Served
- AL
- AZ
- CA
- CO
- CT
- DC
- FL
- GA
- HI
- IA
- IL
- KS
- MA
- MD
- MI
- MN
- MO
- NE
- NJ
- NM
- NV
- NY
- OH
- OK
- OR
- PA
- TN
- TX
- UT
- VA
- WA
- WI
Get to know me
I am a mortgage professional at First Citizens Bank, with over 20 years of experience in the mortgage industry.
My knowledge of lending is a benefit to my clients when navigating the complexity of the loan process. I understand that one of the greatest financial decisions is securing a home mortgage and therefore, listening to customers’ needs is of utmost importance.
I take my time to evaluate the appropriate loan options.
A direct communication style allows me to close loans for my clients. I have helped many clients achieve their goal of homeownership over the years. I specialize in jumbo loans, self-employed borrowers, and first-time homebuyer loan products.
I have had the privilege of conducting first time home buyer seminars, speaking on panels, and I currently sit as a board member at Home Ownership Orange County- As a result, I'm able to consult potential clients on the best loan options available.
I like the simple things in life, spending time with my daughter and family and friends.
My knowledge of lending is a benefit to my clients when navigating the complexity of the loan process. I understand that one of the greatest financial decisions is securing a home mortgage and therefore, listening to customers’ needs is of utmost importance.
I take my time to evaluate the appropriate loan options.
A direct communication style allows me to close loans for my clients. I have helped many clients achieve their goal of homeownership over the years. I specialize in jumbo loans, self-employed borrowers, and first-time homebuyer loan products.
I have had the privilege of conducting first time home buyer seminars, speaking on panels, and I currently sit as a board member at Home Ownership Orange County- As a result, I'm able to consult potential clients on the best loan options available.
I like the simple things in life, spending time with my daughter and family and friends.
- Personal Hobbies and InterestsSports Running Hiking Movies Fund Adventures
- HometownWhittier, CA
- Movies You LikeThe Sandlot
- Favorite HangoutsLocal Coffee Shops
- Community OrganizationsHome Ownership Orange County
- Product SpecialtiesConventionalDown Payment Assistance LoansFHAFirst Time HomebuyerJumbo LoansMedical Professional LoansRefinanceSelf Employed Borrower LoansSustainable HomeownershipUSDAVAVacation Homes
- Personal Hobbies and InterestsSports Running Hiking Movies Fund Adventures
- HometownWhittier
- Movies You LikeThe Sandlot
- Local HangoutsLocal Coffee Shops
- Community OrganizationsHome Ownership Orange County
Resources
Start planning for home ownership today. Access all our resources to help you get your finances in order, save for a down payment and prepare for the responsibility of owning a home.
Refinancing your mortgage could lock in a lower rate or allow you to consolidate debt, make a home improvement or finance a college education by accessing your home equity.
Modest incomes and limited savings don't have to be obstacles to home ownership. Your journey to home ownership can begin today.