Top of main content

Fernando Garces

Mortgage Consultant NMLS ID: 24568

Fernando Garces is located in Los Angeles, California and operates in HSBC’s Greater Los Angeles locations. Fernando is bilingual in English and Spanish and specializes in First Time Homebuyers, Refinance, Down Payment Assistance programs and FHA and VA loans. Fernando has been awarded as the Graduate of the Fannie Mae Foundation to expand homeownership rates in the United States and bring diversity to the mortgage arena. Fernando has a BA in Economics, a Masters in Public Administration and over 24 years experience in mortgage lending. Fernando may be reached at 818-314-6582 or

Request financing today


Get prequalified1 to buy or refinance your home.

Unlock your home's equity.

Areas Covered/ Languages

  • Los Angeles and Southern California
  • Other Languages: Spanish

Specialties/ Awards

  • First time home buyers
  • Affordable lending
  • Fannie Mae Foundation Graduate

Education / Associations

  • National Association of Hispanic Real Estate Professionals

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.

We're here to help you. Find the answers and while you're at it, tell us how we could do better.