Xcel Financial Team


Eddie Garcia

Eddie has successfully established himself as a leader in the industry as an independent home loan provider offering mortgage plans tailored to meet the immediate and long term needs of current and future homeowners.

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Tracie Garcia

Principal Owner Tracie provides our team with the highest level quality in administrative, organization and customer service relations possible. She implements proven effective and...

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Cristie Walk

Cristie comes to our team with years of mortgage banking experience and is actively involved in the processing aspect of our loans. Her eye for detail and organization skills contribute to the success of our company greatly.

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Mindy Staib

Mindy has been in the mortgage business for 20 years, acting as a principal lending manager, loan originator, loan processor and loan compliance manager. She is knowledgeable in all aspects of purchase and refinance transactions including FHA, VA...

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Jeff Pitts

Jeff was born and raised right here in Heber City. He first met his sweetheart in 5th grade. He knew right then that she was the one for him. Several years later, school, an LDS Mission, and study abroad, she gave in and they were married...

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Cindy Judd

Cindy began her career in real estate in 2005 but always had an interest in the financial side of the industry. She became a junior loan originator and joined the team at Xcel Financial. She enjoys working with current and future homeowners and helps...

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Krista Noble

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Dean S. Berrett

Dean has owned and operated Berrett Mortgage Services from Park City, Utah since 1986. He recently merged his company with Xcel Financial and will operate as our new Park City Branch. His 30 years...

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Potter D. Clark

Potter Clark is a Mortgage Loan Originator in the Park City, Utah office of Xcel Financial. Potter has over 10 years of lending experience and is well versed in the Park City real estate market...

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Xcel Financial is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices. We offer a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide you with the most current product and programs available. We are able to assist in the financing of the following loan programs:

  • Conventional Fixed Rate Loans
  • Fixed Period ARM Loans
  • Jumbo Loans
  • FHA Purchase and Streamline Loans