Xcel Financial W 600 S, Heber City

I had an excellent experience with this organization while first buying my home, and AGAIN when they helped me refinance, and ended up saving over $900/month. They're amazing, and their team is dedicated to doing whatever it takes to get you the best deal possible. Special thanks to Mrs. Seely, and Mr. Garcia for helping me and my family out!!

Being first time home buyers we had many questions, Eddie's team was patient and understanding of this. We had no glitches in the home buying process, everything went smoothly with financing - overall great experience!

I have worked with Xcel Financial several times and it has always been excellent. I highly recommend them.

Sydnee I have worked with Sydnee for the last year she is super dedicated in helping her clients get the best rate in the fastest time. I would definitely recommend her for your next residential loan.

My experience with Xcel Financial was very positive. The staff were all very prompt to respond to any questions or concerns, as well as to keep me informed as to the status of my loan application. They were all very cordial and professional, and they did everything within their power to expedite my loan at every step. I would highly recommend them.

My family had an incredible experience with the entire team at Xcel (Eddie, Blair, Cristie). But a special shout-out to Cristie Walk who really guided is through a complex and rather unorthodox closing. We had a critical deadline to hit and it was because of her (and the rest of the team) that it worked out.

Cindy and Eddie are amazing! We contacted Cindy and Eddie years ago about various refi's and our circumstances never allowed us to use them. Regardless, Cindy spent A LOT of time looking into things for us. She is so on top of things and very efficient. Cindy even recommended other resources that benefited us greatly. Our circumstances finally allowed for us to refinance our home last week and once again, Cindy and Eddie were all over it. They are great communicators, organized, knowledgeable, honest and caring. They went through quite a few scenarios about the pro's and con's of different finance options and were able to clearly articulate what would benefit us best for our situation and goals. I left our refi meeting feeling motivated and inspired to work toward other financial goals. It was awesome to pick Eddies brain about different investment options. I highly recommend Xcel Financial and Cindy and Eddie. We will definitely be returning for future services!

We worked with Cristie, and had a great experience! We were under contract on a home a week after we initially applied through Xcel, and two weeks after that we closed, so she worked really fast and efficiently. It's a hard ballgame in today's weird lender world to navigate someone through this process in such a short time period, but Cristie was well up to the task. 10/10 would recommend, and we will be using them again for any Utah housing needs!

There are a number of qualities you want in a residential loan person, including being trustworthy, timely, willing to listen and looking out for your best interests. Eddie Garcia at Xcel Financial has all these qualities and more. Recently, I had a particular mortgage issue that was somewhat complex. Eddie listened and steered me in the right direction. I would give Eddie a call whether you're looking for a first or second mortgage, a HELOC, a reverse mortgage, or advice on increasing your credit scores. He's the best!

The crew couldn't be better. Eddie is an amazing broker. He really takes the time to understand his clients and he is a true advocate for them. He really went out of his way to make sure we got all the stipulations taken care of in time. He made us feel like his priority through out the entire process.