James Garza – Mortgage Loan Officer

Buying a home or securing a commercial loan doesn’t have to feel like extra innings! With over 30 years of customer service experience, James Garza is here to make the mortgage process smooth, straightforward, and—dare we say—enjoyable.

James knows firsthand how overwhelming buying a home can be. As a first-time homebuyer himself, he experienced the stress, the waiting, and the countless questions. That’s why he’s dedicated to guiding his clients every step of the way, ensuring they feel confident and informed throughout the process. Whether you're buying, refinancing, or investing in commercial real estate, James has the expertise to help you make the right financial moves.

In addition to helping families achieve their homeownership dreams, James is well-versed in commercial lending, assisting business owners and investors in securing the right financing solutions to help them grow and succeed. He believes communication, transparency, and trust are the keys to a winning game plan—whether it's a home loan or a commercial deal.

When he’s not structuring loans, you’ll find James spending time with his family and friends or cheering on his favorite baseball team. Just like in baseball, success in mortgages comes down to teamwork—and James is ready to step up to the plate for you.

Looking for a mortgage experience that’s a home run? Contact James at MORTGAGEinc today!