Loan Officer

NMLS# 258980

Licensed In California

(909) 946-0897

(909) 816-1141

(909) 608-9277

1223 W Foothill Blvd, Upland, CA 91786-3681

Gary is your mortgage loan originator, who works side by side with a strong team that shares the same devotion to excellence.

Experienced, knowledgeable, and always up to date on the industry's latest products, Gary strives to exceed the customers' expectations in each and every transaction.

Whether it's time for you to:

  • Purchase your first home
  • Purchase your next home or a second home
  • Purchase and investment property
  • Refinance an existing mortgage

Gary has the know-how to find the perfect product for you!

Call today or click on the link below to get started!

Application Documentation Checklist



May 27, 2019
Was very nice, and polite. He educated us on something’s we weren’t too familiar with, and always had an answer to our questions.

May 17, 2019
Gary’s expertise guided the process all the way through a very difficult and complex application.

May 17, 2019
Excelente service !!! Very professional!!!!

May 17, 2019
Gary and his staff kept us informed every step of the way. Always available to answer questions and help make a hectic journey smooth and efficient. I will call on Gary and his staff for all my mortgage needs in the future.

May 15, 2019
The entire staff was friendly and very professional. They kept us informed through the entire process. All of my questions and concerns were answered at anytime because Gary was available for me 7 days a week. Thank you for a job well done.

May 15, 2019
He was very honest from the start. Very professional and he cares about his clients from the heart Gary is not about money he’s about making other people happy in life and guide him in the right direction.

April 29, 2019
great communication, dedication to the customer, attention to detail, honest and ethical.
Bobbi P.

April 27, 2019
We needed to tie up some loose ends in order to get financed to buy a home. It was scary to walk into an office and sit down with a stranger and analyze what was needed in order for financing. But once entering the office it wasn't 15 minutes and Gary, Joslin and Amber made us feel like family and the support was unbelievable and 2nd to none. It has been over a year since we closed on our home and we still hear regularly from Gary and his team. Thank you Gary, Joslyn and Amber!!!!!!!!

April 26, 2019
Great communication and overall customer service from Gary and Joslyn. Gary was very up front and there was no surprises during the whole process. Also, the entire process was completed quickly and seemed to be a priority. I will use his services again in the future.

April 23, 2019
Very fast and efficient.

April 15, 2019
The honesty and no hassle.

April 12, 2019
This is my second experience with Gary and his company. The attention to detail and ease his organization provide during what is usually a stressful process is why I will continue to keep going with him for all my finance needs

March 31, 2019
My experience with Gary, Joslyn, Amber and the rest of the team was great. They all took the time to explain the process step by step and as many times as needed until I understood. They were a pleasure to work with and would recommend to anyone looking for a loan to buy a home or refinancing.

March 28, 2019
Gary and Joslyn and Amber was very helpfull throughout my whole process of purchasing my dream home I would definitely comeback and refer others for their home purchases. Thank you once again

March 22, 2019
Gary was very personable, kind, and easy to work with. He has an incredible knowledge of his field. I highly recommend him to others.

March 22, 2019
Gary and his team are great. They helped us every step of the way. We are first time homebuyers which can be a very stressful process, but they were very prompt in responding to any questions we had. Commuication is key during this process and they did an excellent job. Thank you!

March 02, 2019
Thank you for all your help.

February 14, 2019
Gary is more than my loan guy - he’s a friend. Even in the face of a personal tragedy in his family he made time to be available to me day and night, helping us get the loan done and the escrow closed on time. He’s simply the best and I truly appreciate everything he does for us.

January 24, 2019
Thanks gary! We love you

December 24, 2018
Everyone is friendly, helpful, patient, and knowledgeable. What could have been a very stressful situation was not stressful at all! Gary was always there to answer numerous questions and made sure the process was taken care of in a smooth and timely manner. Everyone in that office is wonderful!

December 11, 2018
We are so thankful for Gary and his team for their knowledgeable service, supportive guidance, and hard work. We are so excited for this next chapter and couldn’t have made a better decision! Thank you, thank you, thank you!

December 03, 2018
I had a great first experience buying my first house with Gary and the crew! They were all very helpful whenever needed at any time of the day. Jocelyn, Amber and Alex were always on top of their stuff whenever anything needed to be done and taken care of. Definitely returning for future purchases!

November 28, 2018
Communication is key in anything, but when it comes to buying your first home, communication with a lender is of the most importance and communication was amazing with Gary, Joslyn and team. Any time we had a question, they were always there any time we needed and I mean anytime day or night. They made what can be a very confusing, scary, intimidating process a clear and easy one and for that we're grateful. Highly recommend Gary and his team! -The Kuhias

November 03, 2018

Alan W.

November 01, 2018
Gary and his staff are by far the best option for your financing needs. They closed our loan on time and in a professional manner!! Would use again!
Kevin K.

November 01, 2018
Gary was very helpful throughout the entire process, even after closing! He continues to help with any little questions we have and I couldn't speak any higher of Gary and everyone at SPF. Thanks for everything!!!

October 26, 2018
Excellent, always a PLEASURE to talk to and doing the best for you the Customer

October 16, 2018
21 day close!!! FHA first time buyers. What more can I say. He is a vital part of our team success.

October 16, 2018
Gary Schwary is a kind, honest man whos sole purpose is to help families reach their dream of owning a home. He is very professional and gets things done in a timely manner. His assistant Joselyn has also been a pleasure to work with. My wife and I are so grateful to have gone with Gary and his team at South Pacific Financial.

October 14, 2018
Gary and his team are hard working team players, always available to answer questions and return phone calls right away. Also, Keep everyone updated on a timely manner. Gary and his team treat everyone very professional with love, respect and understanding, just like a family member. He goes the extra mile to work and accommodate and work with my clients best available time. Always Good!

October 14, 2018
That the people in are very kind and always stay in touch with you for any reason

September 28, 2018
You do what you say you're going to do. Keep it up.

September 28, 2018
Thank you!
Patricia m.

September 01, 2018
Gary was extremely professional and super nice. He was all about getting us a loan but doing it right! He wasn't about the short cuts, he was all about what was going to work in our favor. He walked us threw EVERYTHING! And i mean everything. He explained things over and over to us if we didnt get it. We were 2 young, first time buyers, and he helped us understand everything we needed to know. I like that we were able to see him and sit down with him at the very beginning just so he can tell us everything we needed to work on and what we are looking for saving wise. He was so grateful to explain to us the ins and outs, even if we weren't ready for such a big loan. Gary and his team worked hard and fast!!! Got our loan done amd closed in 18days i believe. They take a challenge and get it done. I absolutely recommend him and his team!!

September 01, 2018
My fiancé and I enjoyed working with Gary and his team with the purchase of our first home. He truely cares about his clients. I highly recommend Gary!

August 27, 2018
Gary's expertise.

August 26, 2018
Excellent Service

August 26, 2018
Gary and office staff were great. Very professional and enthusiastic.

August 23, 2018
It was a pleasure doing business with Gary! Gary’s knowledge and years of experience in this field really shows. Both Gary and his staff are very efficient and got our refinance completed before we knew it! I will recommend Gary to my family and friends!

August 23, 2018
Gary's a straight shooter. Tells it like it is and does it so nicely.
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