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Fernando Garces

Mortgage Consultant NMLS ID: 245648

Fernando Garces is a member of the HSBC Mortgage Direct team and originates anywhere within the U.S., except in Alaska and West Virginia.  He is bilingual in English and Spanish. Fernando specializes in working with first-time homebuyers on purchase and refinance transactions with down payment assistance programs. He’s a graduate of the Fannie Mae Foundation to expand homeownership rates in the United States and promote diversity. Fernando has a Bachelor’s Degree in Economics and Master’s Degree in Public Administration. He has over 24 years’ experience in mortgage lending and is dedicated to helping his clients. Fernando can be reached at 833-436-4722 ext. 0807 or at

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Areas Covered/ Languages

  • U.S., except Alaska and West Virginia

  • Other Languages: Spanish

Specialties/ Awards

  • First time home buyers

  • Affordable lending

  • Fannie Mae Foundation Graduate

Education / Associations

  • National Association of Hispanic Real Estate Professionals

  • Bachelor’s Degree in Economics

  • Master’s Degree in Public Administration

1 Final mortgage approval is subject to receipt of a satisfactory purchase contract by commitment expiration date, satisfactory appraisal and title report and completion of all conditions stated in your commitment letter.

If you are a service member on active duty looking to refinance your mortgage loan, please consult your legal advisor regarding whether your existing mortgage loan is eligible for benefits under the Servicemembers Civil Relief Act and how a refinance may impact those benefits.

Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for property located in the U.S. Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be cancelled or are subject to change at any time and cannot be combined with any other offer or discount.

All mortgage purchase, refinance and home equity line of credit product materials are only available in English. All negotiations for these products will only take place in English.

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