About Me

Hi, I’m Judy Tran Garrick, a Relationship Loan Officer with Fremont Bank. I have been a loan officer for Fremont Bank for over 10 years. During my tenure, I have had the opportunity to help thousands of Bay Area clients. I’ve learned the many nuances of a mortgage refinance, the advantages of equity lines and how to simplify home purchase transactions.
I am a native Californian. I grew up in San Francisco and currently live in the East Bay.  As a Bay Area homeowner, I understand the complexities of home lending that are unique to this area. That’s why it’s important to me to provide you with correct and up-to-date product information and underwriting guidelines. I believe that’s the key to helping you find the right solution for your home lending needs.

Whether you are buying a new property, refinancing your existing loan or getting a line of credit, I am here to assist you.  I look forward to working with you.

Why Choose Fremont Bank

Whether it's your first home, next home or investment home, Fremont Bank has the mortgage solution to fit your needs. 

Jumbo Loans

I do Jumbo loans up to $2.5 Million. Fremont Bank has Jumbo adjustable and fixed rate mortgages for loan amounts greater than $625,500.
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Fixed Rate Mortgage

With a fixed rate mortgage you won’t have to worry about your payment increasing if rates increase. Enjoy the stability of a fixed monthly payment.
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Adjustable Rate Mortgage

With an adjustable rate mortgage you have the flexibility to take advantage of fluctuations in interest rates.
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Closing Costs

Is Fremont Bank’s No Closing Cost Loan the right mortgage option for you? Learn more about no closing costs loans and what fees are covered in Fremont Bank’s program in this video.