# John A. Garcia

> Official website of John A. Garcia, Mortgage Loan Officer, NMLS #2118073, CA DRE #02048683, with JRA & Associates, Inc. dba First Premium Financial.

JohnAGarcia.com provides general educational information about residential mortgage financing for California homebuyers, homeowners, and real estate investors.

## Official Website
- [JohnAGarcia.com](https://johnagarcia.com/)

## Mortgage Guides
- [Conventional Loans](https://johnagarcia.com/conventional-loans.html)
- [FHA Loans](https://johnagarcia.com/fha-loans.html)
- [VA Loans](https://johnagarcia.com/va-loans.html)
- [Jumbo Loans](https://johnagarcia.com/jumbo-loans.html)
- [Non-QM Loans](https://johnagarcia.com/non-qm-loans.html)
- [HELOCs & Second Mortgages](https://johnagarcia.com/heloc-second-mortgages.html)
- [Mortgage Refinance](https://johnagarcia.com/refinance.html)
- [Down Payment Assistance](https://johnagarcia.com/down-payment-assistance.html)

## Borrower & Property Guides
- [First-Time Homebuyers](https://johnagarcia.com/first-time-homebuyers.html)
- [Self-Employed Borrowers](https://johnagarcia.com/self-employed-borrowers.html)
- [Real Estate Investors](https://johnagarcia.com/real-estate-investors.html)
- [Repeat Homebuyers](https://johnagarcia.com/repeat-homebuyers.html)
- [Current Homeowners](https://johnagarcia.com/current-homeowners.html)
- [Condo Buyers](https://johnagarcia.com/condo-buyers.html)
- [Manufactured Home Buyers](https://johnagarcia.com/manufactured-home-buyers.html)

## Local Mortgage Guidance
- [California Mortgage Loan Officer](https://johnagarcia.com/california-mortgage-loan-officer.html)

## Website Policies
- [Privacy Policy](https://johnagarcia.com/privacy.html)
- [Website Terms & Disclaimer](https://johnagarcia.com/terms.html)

## Important
Information on this website is general educational information only and is not a commitment to lend. Loan programs, guidelines, eligibility, rates, costs, and availability may change and depend on the borrower, property, transaction, lender, and program.