Rafael Garcia NMLS #246783 @ Essential Mortgage Solutions Inc. N Main St, Salinas

My wife & I recently refinance our home with Rafael for our second time. He made it an easy process & he was very prompt & professional getting back to us with any questions we had. We highly recommend him. Thanks again for your help!

First time home buyer here. Rafael did an amazing job guiding me through the process and always available to answer questions. He was able to beat the interest rate offered by another big bank lender I had looked at on my own and got me the better deal. Overall easy guy to work with and is patient with first time home buyers who need extra help to get the deal closed in 2021. Thanks Rafael.

Rafael has helped me with a mortgage loan in the past. He has always been very thorough and helpful every time a question arises along the process. This second time he asssited me with a mortgage loan was no exception. He maintains constant communication with his customers throughout the process. Overall, great experience with Rafael! Would definitely recommend his services!

Rafael worked so efficient in my loan. It was so quick all the process thanks to the hard work and knowledge Rafael has to do house loans. I recommend Rafael completely to help you with your Loan.

Rafael is dedicated to serving his clients needs and best interests. He guided me through the finance process with ease and diligence. All around great experience working with Rafael and I can’t recommend him enough.

I knew mortgage financing rates were low, I always doubt what is posted on-line. Thus, I called Rafael Garcia and inquired with him on current rates. The rates he quoted me were acceptable to refinancing. Within a matter of hours he provided me with an estimate and kept me informed on rates during the week. We were able to keep an eye on rates throughout the week, once 2-1/8% was available for our refi we froze it and within 12 days we closed on our new 15 year mortgage. The process was easy, documents can be submitted digitally and emailed and you can review all documents and contact Rafael at your leisure. Very responsive and professional. Great transaction. I highly recommended his services. You will not regret working with Rafael. Thanks Rafa!

Choosing Rafael as my advisor was no brainer. Right from my first time meeting him he was very professional, friendly, and honest. I knew what Rafael told me was his honest opinion and if he had any doubts he would bring it up. Being that i was a first time buyer i was very clueless on the process and Rafael was able to take the time to explain everything to me and offer me options.Rafael was excellent at communicating and always kept me updated on progress and new developments. Not once through out the process did i ever feel like i was in the dark, Rafael always kept me informed. He was also able to work around my unconventional schedule and still be able to make deadlines. I was very pleased with Rafael's services and the superior service from the company. They were able to exceed my expectations and make this process fun and as pleasant as possible. I will be highly recommending Rafael to all my friends, coworkers, and family.

Our experience with Rafael was great, from the beginning to the end he guided us step by step, making us feel confident throughout the process, answering all our doubts and successfully managing to have our house. Thanks Rafa for your help and excellent customer service once again.

Thank you Rafael! Rafael was very patient, understanding, answered every question we had. He was there for every step of the loan process. Would highly recommend… thank you for making our dreams come true!

I really enjoyed working with Rafael. He was always in communication with me through every phase of my loan. He also got the loan processed in a very timely manner.