Ricardo Garibay

 

 

 

Ricardo Garibay is a mortgage professional at First Citizens Bank, with over 20 years experience in the mortgage industry. My knowledge of lending is a benefit to my clients when navigating the complexity of the loan process. I understand that one of the greatest financial decisions is securing a home mortgage and therefore, listening to customers needs is of utmost importance.
 
I take my time to evaluate the appropriate loan options, with a direct communication style, which allows me to close loans for my clients. I have helped many clients achieve their goal of home ownership over the years.
 
I specialize in jumbo loans, self-employed borrowers, and first-time homebuyer loan products. 
I had the privilege of conducting first time homebuyer seminars, spoken on panels and currently sit as a board member at Home Ownership Committee of Orange County and as a residual result I continue to consult potential clients on the best loan options available.
 
I like the simple things in life, spending time with my daughter along with family and friends.