Deric Steven Garcia

Mortgage Loan Officer

First National Bank of Griffin - Griffin, GA

5.0

(30)

Georgia State University

Mortgage

Mortgage Loan Officer

Georgia State University

Contact Info

(678) 350-4322

Griffin, GA

https://first-national-bank-of-griffin.mymortgageapp.com/signup?brokerId=735c003a-25f5-48db-8d20-a9d7d71cac7d

Location & Business Hours

Business Hours

Tues

9 AM to 5 PM

Wed

9 AM to 5 PM

Thu

9 AM to 5 PM

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5.0

(30)

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Derrick helped me secure one of my first big properties AND handled my refinance, so at this point I don't ask questions- I just send the documents lol. He is very sharp, straight to business, knows his stuff, and somehow always figures out...

Reply from Deric Steven Garcia

October 7th, 2026 01:42 PM

Ekene, I'm grateful for your generous words and trust in my work. It’s wonderful to know that I could assist you with both your property purchase and refinance. Thank you for the high recommendation — it's always my goal to make the process...

I have worked with Deric for over 15 years now and he is very professional. What I like the most as a agent, that he keeps you updated every step of the transaction. I would always recommend him.

Reply from Deric Steven Garcia

October 5th, 2026 03:37 PM

Thank you so much for the kind review! I’ve truly enjoyed knowing and working with you over the years. I really appreciate your support and friendship!

Hello Everyone mybself Aayush Patel and I want to say something for MR. DERIC GARCIA he is really really good person i knw him last almost 4years and he help me out for make my dream house and he again help me out on refinancing loan if anyone...

Reply from Deric Steven Garcia

August 4th, 2026 04:57 PM

Aayush, I'm truly grateful for your kind words and for trusting me with such important milestones in your life. It's been a pleasure working with you over the years to help you achieve your dream home and assist with refinancing. I'm always...

Deric was very helpful. Communication was great, and he was very responsive when we had questions. We would definitely be happy to work with him again in the future.

Reply from Deric Steven Garcia

June 12th, 2026 02:31 PM

Elizabeth, I'm glad to hear that you found my communication and responsiveness helpful. I appreciate your kind words and look forward to the possibility of working together again.

Deric was amazing to work with! I would totally use him again for my clients! He was very good at communicating and updating me on the file before I could even ask. He was great with my client as well. Everything was smooth during the transaction...

Reply from Deric Steven Garcia

May 19th, 2026 06:10 PM

Crissy, I'm really pleased to hear about your positive experience. It's great to know that the communication and updates met your expectations, and that everything went smoothly for your client. Thank you for the kind words and for considering...

Deric was extremely helpful through the entire process he was with us every step of the way even when were weren’t having luck finding a house. When we did finally find what we were looking for Deric was super informative and if I didn’t understand...

Reply from Deric Steven Garcia

May 18th, 2026 08:09 PM

Maria, I'm grateful for your kind words and pleased to hear that you had a great experience. It was my pleasure to assist you throughout the process and ensure you felt informed and supported. If you ever need anything else, please feel free...

I recently worked with Deric on a transaction and he was fantastic to work with. He was professional, responsive, and made the process smooth from start to finish. I would highly recommend him and look forward to working together again in the...

Reply from Deric Steven Garcia - Mortgage Loan...

May 13th, 2026 05:20 PM

Thank you, Susannah Thompson Real Estate!

Deric kept things moving at a great speed for our estimated closing. Would recommend for anyone who wants a competitive rate and fast & excellence service!

Reply from Owner

May 11th, 2026 02:19 PM

Jonny, I'm grateful for your kind words and recommendation. It's appreciated to know that you appreciated the speed and service during your closing process. If you need anything else in the future, please feel free to reach out.

Deric went above and beyond to help us, we cannot recommend him enough. He made the process quick and easy

Reply from Owner

April 30th, 2026 08:30 PM

Sarah, thank you so much. So happy for you and Jonny. I wish you many happy years in your new home.

Deric made this refinance very easy. He was thorough, quick to respond and worked with us to get a great rate and low closing costs.

Reply from Deric Steven Garcia

April 10th, 2026 01:46 PM

I'm pleased to hear that your refinance process went smoothly, Jill. I always strive to make things as straightforward as possible and keep communication clear and prompt. It's great to know we could secure a great rate and minimize costs for...

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About

As a lender with years of experience in real estate financing, I can help you obtain the mortgage loan you need to purchase or build your dream home. At First National Bank, we have the ability to smoothly and efficiently take you from application to closing. Please contact me for closing costs estimates and product options. I look forward to helping you find the right mortgage loan to fit your needs.

Products & Services

Mortgage Loan Officer

FHA Home Loan

Jumbo Home Loan

Conventional Home Loan

Fixed Rate Mortgages

Adjustable Rate Mortgages

DSCR Loans

Cash-Out Refinances

Bank Statement Mortgages

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Education

Georgia State University

Finance

Master of Business Administration (MBA)

University of Georgia

Finance

Bachelor of Business Administration (BBA)

Positions

FIRST BANK, THE - Vice President - Mortgage Loan Officer
Jan 1st, 2023 - Mar 31st, 2025
Renasant Bank - Vice President - Mortgage Loan Officer
Apr 1st, 2025 - Sep 30th, 2025

Memberships