Gil Garcia Mortgage Loan Originator Santa Fe, NM Sunflower Bank

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.

Start Your Homebuying Journey with Confidence

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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. 
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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!
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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

4 Star Rating
Professionalism. From first call to closing Gil kept us in the loop at every stage of the process and was prompt to explain any question or issue that came up.

Salvador

NM

June 23, 2025