Mortgage Customers:Please note that you may receive your Escrow Analysis twice - once as a standalone document and again bundled with your Year-End Statements. The Escrow Analysis statements are identical, and no further action is required by you.

Gil Garcia

Title: Mortgage Loan Originator

NMLS# 226983

Location: Santa Fe, NM

Gil Garcia brings 24 years of experience in the mortgage industry, dedicating his career to helping individuals and families achieve their homeownership dreams. With deep expertise in residential mortgage financing—including VA, FHA, and traditional home loans. Gil is known for guiding clients through the entire mortgage process with care, clarity, and professionalism.
 
His strong foundation in lending guidelines, credit analysis, and financial assessment allows him to recommend tailored mortgage solutions that best align with each client’s unique situation. Over the years, Gil has built trusted relationships with clients, real estate agents, and lending partners, while also taking on leadership roles in team development and management.
 
What Gil enjoys most about his work is the opportunity to make a lasting impact on his clients' lives whether by supporting them through their current mortgage plan or navigating complex financial challenges. He takes pride in offering personalized solutions and making the mortgage experience as smooth, transparent, and stress-free as possible. Gil takes the time to listen carefully to each client’s goals, always striving to serve with empathy and precision.
 
His philosophy centers around integrity, perseverance, and genuine care for others. Gil believes that success—both in life and in business—is built on honesty, a positive mindset, and a commitment to continuous learning. He is passionate about personal growth and always seeks ways to better serve those around him.
 
Outside of work, Gil is an avid sports enthusiast. He enjoys bowling in a league, playing competitive softball in weekend tournaments, and spending time on the golf course.

Family of 4 moving into home carrying boxes

Down Payment Assistance

Did you know there are programs that can help you find funding for your down payment? We are proud to offer a range of national and state-specific Down Payment Assistance programs that can help turn your dreams of homeownership into reality. Click below to see if you are eligible. 
Check Eligibility
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My Mortgage App

My mortgage app makes it easy! Get your digital to-do list, access calculators, send documents securely and much more!

In just a few clicks you'll receive a text message with a custom download link to connect directly with me on the mobile app!
Get My Custom Mobile App Link
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Calculators

Get help answering the big questions:
What will my monthly payments be? 
Can I save money by refinancing?
Should I keep renting or buy now? 

Visit our calculators for quick reference then contact us for specific guidance!
Check Out Our Calculators!

Finance Your Dream Home

Homebuying isn’t a one-mortgage-fits-all experience. That’s why Sunflower Bank offers a variety of home loan options to fit your goals and financial needs. Whether you’re looking to buy, build, or refinance, our expert loan originators will guide you through possible options to find the right solution for your homebuying needs.
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What My Customers Say

5 Star Rating
Gil and his team have been absolutely amazing throughout the entire process. They made themselves available to answer questions and quickly responded to inquiries. Great communication skills!!

Rochelle F

CO

Feb 21, 2026

5 Star Rating
Gil was amazing. Attentive, informative, and always cheerful. I knew if I had a question, Gil had the answer or would get it. I can’t recommend Gil highly enough. Thanks for making the home buying process so smooth!

Lora B

NM

Jan 16, 2026

5 Star Rating
Gilbert is the best at what he does. He went above and beyond and made the process go by smoothly. I would recommend his services to everyone and would have him help me again in a heartbeat.

Steven Bobby S

NM

Dec 22, 2025

5 Star Rating
Gil and his team were solid reliable professionals from our first encounter to every encounter through to the end. It was a flawless experience. Thank you

Lisa M

NM

Dec 15, 2025

5 Star Rating
Gilbert was excellent, he explained everything very well. Always available for questions. Nice, respectful. His team had great communication! I would be referring friends to Gilbert for the excellent service he provides.

Jimmie M

NM

Oct 10, 2025

5 Star Rating
Very professional and responsive to all our questions. Made the loan process a breeze. Would also like to give a shout to Dayna who was also very helpful!

Gerald S

NM

Aug 23, 2025