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Berto Garcia

Portrait photo of Berto Garcia

Main Office

4901 Pernod Ave.
St. Louis, MO 63139

Office: 314-567-9795
Direct: 314-567-9795


Thank you for your consideration. Our team recognizes the importance mortgage decisions will have on your life. It’s my promise that we will make your experience as comfortable and smooth as possible, and be there for you every step along the way.

My experience in St. Louis began in 1999 when I started buying and managing residential multi-unit properties. Today, working side-by-side with family members, I continue to actively buy, renovate and sell properties. It is my first-hand experience and knowledge of local real estate from the perspective of a lender, owner, manager and developer that will benefit you as we work together.

My residential mortgage career began in 2005 and I currently find myself happily at F&B Financial where our team can offer local underwriting, direct funding and a wide variety of products. This ensures that your specific needs will be met with the right mortgage option.

After attending Northern Illinois University and earning a Bachelor’s degree in Finance in 1995, I worked as a Benefits Consultant for Hewitt Associates, a Loan Officer for Norwest Financial, and gained commercial real estate lending experience at GE Capital where I worked in audit, underwriting and securitization.

I am extremely proud to be a St. Louis City resident along with my wife Lauren and sons Lucas and Kayden. We enjoy exploring and taking advantage of all that the city has to offer, and are passionate advocates for the entire St. Louis region. Fact is my enthusiasm was so contagious that my entire family – all 6 of my siblings and their families along with my parents – relocated and proudly claim St. Louis as their home.
I consider your confidence in us an honor, and pledge to help you as thoughtfully and thoroughly as I would my own family members.

MO License: 823-MLO

Designations & Awards

NMLS: 283916

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