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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We had an excellent experience working with Deric as our home lender. He was professional, responsive, and guided us through every step of the process with clarity and patience. Deric made the entire loan process smooth and stress-free, always...

Reply from Owner

April 1st, 2026 03:30 PM

I'm grateful for your kind words, Priyanka. It's fulfilling to know that the process was smooth and stress-free for you. Your recommendation means a lot to me, and I'm glad I could assist you effectively. If you ever have more questions or...

Deric was great to work with. He was very fast, and my clients trusted him. This deal went off without a hitch. We were able to get my clients into the home. Derek communicated very quickly, even on nights and weekends when most people would...

Reply from Owner

April 1st, 2026 03:31 PM

I appreciate your kind words and am glad to hear that you and your clients had a smooth experience. It was a pleasure supporting you through this process. Feel free to reach out whenever you need assistance in the future. Thank you!

Absolutely perfect transaction. Deric was very helpful and a pleasure to deal with.

Reply from Deric Steven Garcia

March 30th, 2026 02:55 PM

I appreciate your kind words, Doug. It's great to hear that you had a positive experience. I'm glad I could assist you effectively, and I'm here if you need anything else in the future.

Deric provided excellent communication throughout the loan process and obtained a Clear to Close weeks before the scheduled closing. Great job, Deric!

Reply from Deric Steven Garcia

March 23rd, 2026 05:32 PM

Thank you for the wonderful review, Michelle. IT has been quite awhile since we have been able to work together. I appreciate the confidence you had to refer your client to me.As always, I enjoy our partnership. You are an asset for your clients....

Deric did a great job answering all our questions, and guiding us through the financing landscape, as he has already done for me before. Couldn't be easier to work with, always accessible!

Reply from Deric Steven Garcia

March 17th, 2026 01:51 PM

I'm really pleased to hear that your experience was smooth and accessible. It's important to me that all your questions are answered and that you feel guided through the process. Thanks for trusting me again with your financing needs. If you...

Derik is very professional and knowledgeable. He made my customers buying experience quick and easy and kept the communication lines open throughout the process. Highly Recommend.

Reply from Deric Steven Garcia

March 13th, 2026 07:13 PM

I'm glad to hear that you had a great experience, Troy. It's important to me that both you and your customers feel informed and supported every step of the way. Thank you for your kind words and for recommending my services. If there's anything...

Deric was great to work with. He communicates well and handles everything in a timely manner. Thank you!

Reply from Deric Steven Garcia

March 11th, 2026 06:56 PM

I appreciate your kind words, Dylan. Clear communication and timely service are important to me, so I'm glad to hear that you had a positive experience. If there's anything else I can assist you with, don't hesitate to reach out.

Deric Garcia was very prompt and organized. A true professional with a friendly demeanor. The process was fluid and I was kept up to speed the whole time. If you want professionalism and personal care, use Deric Garcia.

Reply from Owner

March 11th, 2026 06:58 PM

Ben I appreciate you allowing me to assist you with your new home purchase. Stay in touch and let me know if there is anything else I can do to assist you

Deric was very personable and kind. He was very prompt via text and call backs. He kept me up to speed with the process and timelines. He went out of his way to make this easy for me. Deric is very personable and even showed up to closing to...

Reply from Deric Garcia

March 11th, 2026 06:56 PM

Ben, thank you for sharing your experience. I'm grateful for your kind words and pleased to have been a part of this important moment in your life. Keeping you informed and making things easier for you was my priority, and it's great to hear...

Deric and Maria both did an Excellent job when I refinanced my home. They kept me informed and updated on every step via emails or phone calls. Thank you for having a great staff in your Mortgage Department. 😃

Reply from Deric Steven Garcia

March 10th, 2026 07:12 PM

I'm glad to hear that you had such a positive experience with the refinancing process, Carlton. Keeping you updated throughout was a priority for both Maria and me, and I'm pleased that it made a difference. If there's anything else you need...

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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