---
canonical_url: https://lendb.ai/lo/sonia-garibay-292640
json_url: https://lendb.ai/lo/sonia-garibay-292640.json
nmls_id: 292640
last_verified: 2026-10-09
---

# Sonia Garibay

Senior Loan Officer at CrossCountry Mortgage, Turlock, CA. NMLS ID 292640 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/292640)).

**Summary:** Sonia Garibay (NMLS 292640) is Senior Loan Officer at CrossCountry Mortgage, based in Turlock, CA. Lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan, FHA loan and First-time buyer. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: California (CA, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/turlock-ca-4097/sonia-garibay/
- **FHA loan** (`fha`): lender page, confidence 0.54, verified 2026-10-09. Source: https://crosscountrymortgage.com/turlock-ca-4097/sonia-garibay/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.11, verified 2026-10-09. Source: https://crosscountrymortgage.com/turlock-ca-4097/sonia-garibay/

## About

Sonia joined the mortgage industry in 2001 with a commitment to helping families achieve homeownership. They specialize in first-time homebuyers and offer expertise in FHA, VA, conventional and CalHFA programs.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: since 2001. Source: https://crosscountrymortgage.com/turlock-ca-4097/sonia-garibay/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Turlock, CA. Source: https://crosscountrymortgage.com/turlock-ca-4097/sonia-garibay/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/292640

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/turlock-ca-4097/sonia-garibay/
- Office phone and Email on file: shown at https://lendb.ai/lo/sonia-garibay-292640#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/292640
- lender_site: https://crosscountrymortgage.com/turlock-ca-4097/sonia-garibay/

Cite as: Sonia Garibay (NMLS 292640), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/sonia-garibay-292640, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._