Welcome
HG Capital Lending
Get the guidance you need by seeking out the advice of experienced professionals in our field.
Services
Home Purchases & Refinances
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.
Loan Products & Programs
- 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
Hermes Garcia - CEO
With over 33 years of experience in banking and mortgage finance, Hermes brings extensive knowledge and a practical approach to every transaction. After working with institutions including BankBoston, FleetBoston Financial, and Bank of America, he founded HG Mortgage in 2005 and HG Capital Lending in 2023.
Beyond his work, Hermes supports children’s healthcare and communities in Venezuela. A devoted father of three, he also enjoys golf and skydiving.
NMLS #363008
Meet our team
Serena Schiano - Operations Manager
Serena is a proud Italian American pursuing a degree in Hospitality Management at the University of Florida. Her background in customer service helps her manage daily operations, coordinate the team, and create an organized, positive experience for clients
Nur Abou Salman - Executive Assistant
Originally from Venezuela, Nur is pursuing a double major in Finance and International Business at Florida International University. Her financial education and bilingual skills support her role where she coordinates communications, documentation, and the details that keep each transaction moving forward.
Andres Villalobos - Loan Officer
Born in the United States to a Venezuelan family, Andres is pursuing a degree in Finance at Florida International University. As a Mortgage Broker, he uses his financial knowledge and bicultural background to help clients understand their financing options and navigate the loan process with confidence.
NMLS # 2821354
Ander Urdaneta - Loan Officer
Born in Venezuela, Ander is President of Easy Coverage USA and a loan officer with HG Capital Lending. His leadership and insurance experience give him a well-rounded understanding of protection and financing, helping clients make informed decisions throughout the homebuying process.
NMLS # 2341250
Khai McBride
Performance Mortgage Advisor
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