Hi, I'm Trey Garza
I'm a Licensed Mortgage Loan Officer at Efinity Mortgage in San Antonio, Texas, specializing in VA loans for our veteran community and helping self-employed borrowers and first-time buyers get to the closing table.
Why I Specialize in VA Loans
San Antonio is one of the most military-connected cities in the country. Joint Base San Antonio, Fort Sam Houston, Lackland AFB, Randolph AFB — the military presence here is significant, and so is the veteran community that's built roots in this city.
What I see regularly: veterans who have earned one of the best financial benefits available — the VA home loan — and don't fully understand what they have. No down payment. No monthly mortgage insurance. Competitive rates. No loan limits for most buyers with full entitlement. It's genuinely the best loan program in existence.
My mission with every veteran client is simple: make sure they walk away knowing every advantage they have, understand how to use it, and close on a home that sets them up for long-term financial success.
Beyond VA loans, I work regularly with self-employed borrowers and first-time buyers. The mortgage process has a reputation for being confusing and stressful. My job is to change that experience — clear communication, honest answers, no runaround.
San Antonio is a military city, and the VA loan is the most powerful home buying benefit in existence. I make sure every veteran I work with knows exactly how to use it — and doesn't leave anything on the table.
I'll tell you what you qualify for honestly, even if that means waiting a few months to improve your position. No false promises, no pressure to close before you're ready.
Mortgage isn't just a transaction — it's usually the biggest financial decision you'll make. I take time to explain every option, every trade-off, and what makes sense for your specific situation.
I answer my emails and calls. When you submit a document request, I respond within hours, not days. I know how stressful the process can feel, and clear communication is how I take the stress out of it.
My Three Core Audiences
Veterans & Active-Duty Military
If you've served or are currently serving, the VA loan is almost certainly your best option. I specialize in helping San Antonio's veteran community navigate the benefit they've earned.
VA Loan Details →Self-Employed Borrowers
Business owners, 1099 contractors, freelancers — bank statement loan programs use your actual cash flow, not your write-offs. Your income is real, your qualification should be too.
Self-Employed Options →First-Time Home Buyers
If you're buying for the first time, you don't know what you don't know. I walk you through every step, every option, and every tool — so nothing catches you off guard.
First-Time Buyer Resources →Follow Along
I share mortgage tips, San Antonio real estate insights, and homebuying guides across social media.
Ready to Talk?
Book a free 30-minute call. No obligation, just an honest conversation about where you stand and what your options are.