We were by far an unusual situation that required lots of extra effort, and consistent pushing by Cristie and Blair. There were lots of instances where someone changed information or deleted it, or it was changed un-necessarily. Cristie and Blair went above and beyond what a "normal" process would require and they fulfilled their promises, and overcame obstacles, and delivered the promised mortgage at an exemplary level of service. When you need the job don't no matter what the mortgage obstacles Cristie and Blair will get the job done!!

Scott Hoover

This was the best company I have ever worked with to sort out a loan. All of the personnel were professional and expert in their area. I would highly recommend them to anyone seeking a loan.

Kim O'Neill

My refinance went very smoothly thanks to XCEL Financial. The information your company provided including timely updates and status reports was very helpful. We never wondered what the status of our loan was due to the excellent communication we received from you. As a part of this process we were assigned Cristie Walk as our loan representative. I found her to be an exceptional loan officer. She was always very pleasant, timely in her communication, effective in acquiring the required information for the loan application process and an all-around wonderful person to work with. Cristie Walk exemplifies a customer centric attitude that is very rare these days. I would certainly recommend XCEL Financial to my friends and business associates in the future and if they are fortunate enough to work with Cristie I know their experience will be as exceptional as mine was.


Eddie Garcia with Xcel Financial is simple the only company I have used for several home loans and would use in any future loans. It is so comforting to know he is working for you. He truly has a passion in his clients and provides not only an extremely easy process but more importantly friendship and compassion in his clients. Simply the best in the business.

Marla Emerson

Cristie was excellent to work with and very knowledgeable about different loan options.

Tyler Coombs

Jeff Pitts was awesome so was Christie. They both helped guide and direct us. They helped us meet our deadlines and we're just awesome! Thank you to all of y'all!

Scott Hoover

I highly recommend Potter and Eddie with Xcel Financial. I am a Realtor and not only do I refer them to my clients, I recently used Potter for my own personal home loan. Over the years, I have worked with many lenders. Potter and Eddie are the best in the business. They are honest, timely, very detail-oriented, service oriented and have our client's best interests as their priority. I couldn't ask for a better team to partner with.

Melissa Goff, Realtor

Thank you so much Jeff and Eddie. We are grateful for all your help in helping us with refinancing our home and bringing our home payment down. That is going to help us do so much. Thank you so much again for all your help.

Jaime Vega

My experience with Xcel Financial was very positive. The staff were all very prompt to respond to any questions or concerns, as well as to keep me informed as to the status of my loan application. They were all very cordial and professional, and they did everything within their power to expedite my loan at every step. I would highly recommend them.

Willard Barlow

My experience with Xcel Financial was very positive. The staff were all very prompt to respond to any questions or concerns, as well as to keep me informed as to the status of my loan application. They were all very cordial and professional, and they did everything within their power to expedite my loan at every step. I would highly recommend them.

Willard Barlow

Potter Clark of Xcel Financial in Park City is the type of Loan Officer that any Realtor would want to work with. His skill that I find most meaningful to my business is that Potter proactively communicates with me on the status of the loan approval. Before I ask, he has emailed me updates on the appraisal and underwriting and that the closing documents were received, signed and returned and that we have the clear to close. His hustle at the end of the transaction allowed my buyer to close early. It’s his dedication to the details that allows me to be as successful as I am, and with Potter's partnership, my clients receive exceptional service from start to finish.

Christine Grenney, Associate Broker, Summit Sotheby's International Realty

Cristie was awesome to work with throughout our loan process! I was very impressed with how Cristie would promptly return emails and calls even late at night.

Robinson Family

Eddie worked hard and demonstrated a knowledgeable understanding in getting all of our mortgage paperwork handled. He helped us to understand any issues that arose, and helped us to handle them appropriately and quickly. He kept in touch through text, email, and phone calls, leaving us confident that everything was being handled. Extremely grateful for all that Eddie did. He’s the man!

Jacob Robinson

From the time I first contacted Mr. Garcia, he was consistently acting in my best interest and most importantly he was a problem solver. In working with Mr. Garcia and his team, the privilege was mine and I feel I need to be thanking him continuously for years to come as he has played a key role in my family’s financial wellbeing.

Joel Moskal and Family

Great people. Everyone I dealt with was friendly. Each person knew their job. Eddie has a great depth of knowledge about the loan process. I'm a busy guy. Xcel handled all aspects of the transaction for me. Eddie even called my CPA for needed documentation. I found his follow through second to none. I guarantee you will enjoy working with Eddie and his highly competent and friendly staff. My last three mortgage finance and refinance products have been obtained through Xcel Financial. Eddie and his staff have been, by far, the most professional, knowledgeable and helpful professionals. If I again look to obtain financing in the future, I will once again trust Eddie to identify the right product, at the right interest rate and at the lowest cost.

Jeffrey D. Salberg, Attorney and Counselor at Law

Another excellent experience! This is my 2nd refi with Eddie and it was as easy and smooth as can be. He was easy to get a hold of and kept me up to date on what was going on throughout the process. The staff at Xcel is amazing.

Christin VanDine

Eddie is amazing to work with! He is extremely helpful and really knows his stuff. He made the process of owning my home so easy and seamless. It is amazing how dedicated he is to everything and how available and understanding he is of his clients concerns. He even follows up every couple of months to make sure that everything is going smoothly. I would recommend Eddie in a heartbeat.

Kim Coburn

Eddie is amazing at getting the job done. His communication and experience are top notchy. He does not give up and works hard for his clients.

Regina Morrill

Having Eddie as our loan agent made the experience as smooth as silk! He was always quick to respond, explained everything in detail and answered all our questions. He referred us to a great property manager and even contacted someone in our neighborhood who rounded up a bunch of guys to help us unload our U-Haul! Eddie went above and beyond to help us in every way.

TJ Thuringer

I’ve been completely sold on Eddie as the best broker in the state. The deal I closed with him went very smoothly, met all my conditions and I would up with a better deal than anyone thought I could ever get. I’m a man who believes in miracles, and Eddie is a guy that can make them happen.

Adam Freeman

Eddie’s knowledge and attention to detail were superb! In an industry which unfortunately “overpromises and under delivers” Eddie walks the walk! Our loan was processed in record time and done right from start to finish. There are enough things that work against you… stack the odds in your favor… get the right guy to do your loan. If you want the best… let Eddie work for you!

Tim & Carol Hansen

Eddie and his whole team were on point from day one all the way till he helped us move in (long story). He walked us through the entire process. He provided us constant feedback on the current market trends to ensure we locked in our interest rate at the best possible time. It was obvious from day one that we were not just a client. The personal level of commitment displayed at all times made the entire process so much more enjoyable.

Jennifer Farmer

Eddie has been my “loan guy” now for seven years. We’ve done 11 loans now with Eddie and his team and have never been disappointed. His entire team is straightforward, attentive to detail, and always goes the extra mile to make each loan smooth and painless.

Curtis Fenn

Eddie Garcia was there from the beginning until the minute we moved into our new home. He was professional and invaluable in every aspect of the process. He always made us feel that we were of the utmost importance to him and that he cared about us as people as well as clients.

Douglas Andres

Throughout the process Eddie kept us well-informed. His knowledge and consistently optimistic attitude was very reassuring. Over the years we have dealt with a number of mortgage brokers and Eddie was by far the most efficient and trustworthy. He treated us like friends and worked extremely well with our Realtors. We would not hesitate to recommend him to anyone.

Morry & Judy Kay Hanson

I’ve been very fortunate to use Xcel Financial on multiple occasions. Eddie is professional and courteous! He goes above and beyond to make sure your needs are met.

Clinton Mower

Eddie's tireless commitment to my clients has been top-rate! This makes him my FIRST CHOICE of lenders to recommend to my clients in the Heber / Midway area.

Carrie Hall, Real Estate Professional RE/MAX Masters

We still talk about how great Eddie was - thank you! We had a wonderful experience and would recommend you to others.

Clint & Rachelle Cummings

Xcel went the distance for us on a complicated loan process. It went as smoothly as it possibly could and we were able to save on our mortgage when we refinanced. Thank you.

Nate Murray, CEO/Wholesale Distribution Nutty Guys Inc

Xcel made owning a home a reality for us. As first time home buyers, we were overwhelmed with the responsibilty of owning a home and were confused by all all of the red tape. Choosing Xcel was the best decision we ever made. They were easy to work with, and went above and beyond to make sure our loan closed.

Jamey Rail, Developer Manager Earthdiver LLC

Very friendly, always followed up which is hard to come by, and took the time needed to explain all the paperwork. Thanks!

Derek & Brooke Moss

We hesitated at first as we talked to "Lending Institutions" which would have saved a couple bucks up front. After three failures we contacted Eddie and Xcel. Wow! Difference in service like night and day. We got results much, much better than we had hoped for. Super good rate. I would and have recommended Xcel to anyone looking for their services. You won't be sorry!

Murray Becker, Manager Park City Jewelers

We have been involved with Eddie Garcia for almost twenty years and have always found him capable, friendly and efficient. His service has been superb and timely on multiple occasions. We would highly recommend Xcel to any other and will undoubtedly use him again.

Marvin Hardy, Retired Army Major

I was most impressed when Eddie came to our closing. He went out of his way to be there at that time and it just goes to show the personal level of service offered by Xcel Financial. Eddie has directly secured 5 home loans for me, and about another dozen for my family members. We continue to return to Eddie’s services because he has proven trustworthy, affordable and experienced. Eddie’s approach to home loans is no-nonsense, value.

David Przybyla, Marketing Manager Clyde Company

Xcel was always there for us. They made the whole process easy. We wish them the best in all their endeavors.

Timothy & Earlene Chapman

The Xcel team was great at answering all of our questions and did everything they could to make our loan go through as quickly and smoothly as possible.

Ty & Nikki North

Xcel Finanacial went the extra mile in getting us a HARP refinance on our under-water Utah rental unit. Cristie is the best... Thank you!

Josh Solomon, Director of Operations NaturesFinestSeed.com

The fact that our complicated loan process was approved was nothing short of a miracle. Eddie's ability to get our home loan was a work of art.

Randy Dastrup, CPI Catipillar Incorporated

Seamless experience. Eddie & staff were right on top of it.

Ernie Schmidt, General Manager TGI Fridays

Eddie left the office at 12:30a after cranking through my loan application, it was unexpected that he'd be at the office that late. He called this morning needing a bunch of info, awesome!

Dan Solomon, Director McGladrey LLP

Every member of the staff was very professional and made us feel our mortgage was most important to them. We were treated as long time customers even though it was our first experience. Would definitely do business again. Thanks to Mr. Garcia and his staff.

Kathy & John Jefferis

Eddie and Cristie explained in detail, every step of the process. There was nothing we weren't prepared for. Eddie was at our closing! Now that is service.

Jeromy & Kelly Walk

I was very impressed with how this challenging transaction went. Because of the great service I received, I sent another referral!

Jana Lee Jacobsen, Realtor

Nothing could have been handled better. Eddie bent over backwards to get our loan approved and processed. The process was quick, the rate was great, and I would recommend Xcel to everyone!

Richard Montierth

Everyone was so nice and patient with us. They answered all of our questions and concerns kindly, and always got back to us promptly. They made first-time home buying a lot less scary for us. They kept in contact with us every step of the way.

Steve Keiser

The knowledge that Eddie has with mortgage loans is extensive and he was great at passing that knowledge on. Eddie definitely took care of us throughout our mortgage loan process.

Brent Staheli

Very satisfied. Loan didn't cost us anything, and it was processed in a speedy manner. Thanks.

Marvin Hardy, Retired Army Major

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