With over 20 years of experience in both real estate and mortgage lending, Angie Garibay has built a career on bridging the gap between homebuyers and sellers across California’s Central Valley. As the founder and lead Mortgage Broker of Valley Capital Home Loans Inc., Angie combines deep market knowledge with a personalized, hands-on approach to help families and investors navigate the entire homeownership journey—from financing to closing.
A lifelong resident of Stockton and Lodi, Angie brings unmatched insight into the local housing market. She is an Outstanding Life Member of the Central Valley Association of Realtors, a Certified Fair Housing Agent, and an active member of Hispanic Chamber of Commerce. Her leadership extends beyond lending, as she manages a team of over 20 agents, multiple rental properties, and several Airbnb locations.
Angie’s journey began in 2002 flipping homes, which quickly grew into a full-service real estate and mortgage business. Fluent in Spanish and originally from Mexicali, Baja California, she proudly serves a diverse community of clients—connecting the right buyers with the right homes and helping sellers achieve top value.
Whether you’re buying your first home, selling your investment property, or seeking a loan solution tailored to your needs, Angie is a trusted partner committed to making your real estate goals a reality.