Pat Sepulveda-Garcia

Pat Sepulveda-Garcia is a seasoned Mortgage Professional with 36 years of experience specializing in guiding first-time homebuyers through the homeownership process. As Branch Manager at 21st Century Lending (NMLS #256533), she expertly navigates VA, FHA, Conventional, Jumbo loans and NON-QM, prioritizing client needs and ensuring complete transparency with compassion and efficiency. Pat’s dedication is focused on helping clients achieve their dreams of homeownership, providing tailored solutions and exceptional service.