Realize Your Dream of Home Ownership

Welcome to MyAgent Lending Group. Mary Ann Garcia Berges is a dedicated, independent Mortgage Advisor licensed to guide you step-by-step through first-time home purchases, refinancing, and VA loans with absolute integrity and competence.

Stunning Southern California Luxury Home Approachable California Family Home Cozy Big Bear Family Cabin Comfortable Suburban Home Modern Big Bear Mountain Cabin Stunning Coastal Estate
32+ Years Trusted Experience
Licensed in California
VA & FHA Specialist
Brokers Are Better
NMLS #309639
Click Me! 🎥
Mary Ann Garcia Berges
Click to Unmute
Mortgage Advisor & Broker

Mary Ann Garcia Berges

DRE License #01162792 | NMLS License #309639

Offering over 32 years of real estate and mortgage financing expertise, Mary Ann Garcia Berges brings integrity-driven consulting to every single client scenario. She is the Broker and Owner of MyAgent Lending Group and acts as an independent Mortgage Loan Originator with C2 Financial Corporation.

We believe each client deserves a highly customized mortgage solution. Whether you are purchasing your very first home, refinancing an existing loan to secure a lower interest rate, looking for stated/no-income non-QM loans, or commercial financing, Mary Ann works tirelessly to find the terms that best serve your personal financial interest.

"Our mission is to serve our customers with honesty, integrity, and competence. We pledge to help borrowers overcome roadblocks that can arise while securing their financing."
The Ultimate Dual-Advantage

Your Realtor® & Mortgage Advisor Combined.

Mary Ann Garcia Berges is not just a loan officer. She is a seasoned **California Real Estate Broker (DRE# 01162792)** and **Mortgage Specialist (NMLS# 309639)**. This dual credential creates seamless coordination between your home search and your mortgage financing, removing the common friction points and delays of home buying.

Frictionless Loan Matching
Direct Broker Negotiations
Accelerated Escrow Timeline
Single Point of Contact
MyAgent Real Estate Group Logo

Looking for Homes?

Explore residential property listings across Southern California on our dedicated real estate portal.

Visit Real Estate Site
Flexible Financing Options

Explore Our Loan Programs

Traditional Financing

Standard home purchase and refinance options with attractive competitive terms and custom tailored options.

  • Conventional Loans (Fixed & ARM)
  • VA Loan Specialists (Military Families)
  • FHA Government Financing
  • USDA Rural Housing Loans
  • Reverse Mortgages for Seniors

Non-QM Alternatives

Perfect for self-employed professionals, investors, and business owners requiring alternative documentation.

  • 12/24 Month Bank Statement Loans
  • 1099 Contractor Financing
  • DSCR (Debt Service Coverage Ratio)
  • No-Income & Asset-Based Loans
  • Foreign National Mortgage Solutions

Commercial & Hard Money

Fast closing options for commercial buildings, land, construction, multi-family, or time-sensitive projects.

  • Commercial Property Mortgages
  • Short-Term Hard Money & Private Loans
  • Lot Purchases & Land Loans
  • Construction-to-Permanent (OTC)
  • Bridge Financing

Refinance Options

Lower your interest rates, consolidate high-interest debt, or tap into your home's equity with custom refinancing strategies.

  • Rate & Term Refinance
  • Cash-Out Refinancing
  • FHA Streamline Refinance
  • VA Interest Rate Reduction (IRRL)
  • Debt Consolidation Loans

Calculate Your Monthly Mortgage Payment

Use our interactive mortgage calculator to test purchase scenarios, estimate interest rates, calculate down payments, or evaluate refinance opportunities.

Real Success Stories

What Our Clients Say

"I bought my 1st home in Wrightwood and Mary Ann was just amazing to work with! I'm a retired vet and right away I could tell she had an appreciation for military; she made my home buying experience very comfortable, responding quickly to my calls, texts and emails. I highly recommend Mary to anyone considering a home!"

JL
Jaime Lisenbee
Retired Veteran | Wrightwood, CA

"We have been through 2 real estate agents prior to meeting Mary Ann. I guess it's true you have to go through the bad to get the best. Mary Ann not only is knowledgeable, she knows how to truly deal with VA loans. She walked us through everything and went way above and beyond. She is a Unicorn!"

MP
Marlene & Paul
First-Time Buyers | Chino, CA

"We moved to LA from Boston because I was offered a job, and had just over a month before my start. If it weren't for Mary Ann, buying a home in that amount of time wouldn't have been possible. We used a VA loan, but there wasn't a single hiccup. She was multiple steps ahead throughout."

DP
Divya Pursley
Relocated Homeowner | Los Angeles, CA
Our California Locations

Visit Our Offices

Coastal Los Angeles Region

Torrance Branch Office

3655 Torrance Blvd, 3rd Floor
Torrance, CA 90503

Mon - Fri: 9:00 AM - 6:00 PM (PT)
Servicing LA, Orange & Ventura Counties

Contact Information

Have questions about interest rates, loan criteria, or starting your secure application? Reach out to Mary Ann directly.

Direct Cell (310) 218-3466
Big Bear Lake Office P.O. Box 4307, Big Bear Lake, CA 92315
Torrance Office 3655 Torrance Blvd, 3rd Floor, Torrance, CA 90503
DRE# 01162792 | NMLS# 309639
Independent MLO with C2 Financial Corporation

Request a Consultation

Enter your details and Mary Ann will get back to you personally within 24 hours to go over numbers and mortgage scenarios.

Thank you! Your request has been sent successfully. Mary Ann will contact you shortly.

Partner With a Trusted California Mortgage Leader

Securing the right mortgage requires time, absolute clarity, and dedicated personal advocacy. Leverage Mary Ann's 32+ years of local home finance expertise to custom-tailor the perfect loan scenario for your future.

Sending request... Please wait while your consultation request is sent.