HG Capital Lending

At HG Capital Lending, we specialize in tailored home loan solutions for both individuals and businesses. Whether you're purchasing a new home, refinancing an existing property, or investing in real estate, we offer a diverse range of mortgage products designed to fit your unique needs. Our team is committed to providing flexible financing options, personalized service, and expert guidance throughout every step of the process.

• FHA Loans
• VA Loans
• Home Equity Loan
• 1099 Loans
• Bank Statement Loans
• 1Y + 2Y P&L Loans
• 1Y or 2Y Full Doc Non-QM
• DSCR (Debt Service Coverage Ratio)
• Asset Utilization Loans
• Foreign National Loans
• Church Loans
• SBA Loans
• Condo Office Financing
• Gas Station and Warehouse Financing

With over 33 years of experience in the banking industry, Hermes Garcia has built a career defined by expertise, dedication, and personalized client service. Beginning as a Senior Loan Originator in 2001, he gained valuable experience working with renowned institutions such as Bank Boston, FleetBoston Financial, Bank of America, and Banc Plus. In 2005, Hermes established HG Mortgage, where he partnered for 16 successful years.

In 2023, Hermes launched HG Capital Lending, his private firm located in Weston Town Center, embodying his commitment to providing client-focused mortgage solutions. His approach is tailored to each client, ensuring they receive the best terms and conditions suited to their needs.

Beyond his professional endeavors, Hermes is a dedicated community supporter. He volunteers at Joe DiMaggio Children's Hospital, assists assisted living facilities and orthopedic hospitals in Venezuela, and supports various communities in his home country. He lives by the motto, “The world gives as much as you deliver to it.”

When he’s not helping clients or giving back, Hermes enjoys playing golf and exploring his adventurous side with skydiving.