Nilesh Makhija
Head of Mortgages

NMLS: 2085698

With a decade in technology consulting with a Big 4 firm and over 5 years in the mortgage industry and I bring a distinctive blend of expertise and innovation to mortgage solutions. Throughout my career, I’ve guided over 300 families toward their dreams—whether it's a first home, an investment property, or a vacation getaway. This experience led me to establish Uptiq Premier Mortgage (UPM), where we merge technology and tailored mortgage solutions to deliver a seamless, transparent client experience.Licensed in 15 states, I specialize in diverse mortgage solutions, including DSCR loans, bank statement loans, and jumbo financing. My consulting background has equipped me to approach each home buying process as an opportunity to solve unique challenges for my clients, using technology to simplify and optimize each step.

Whether you're a first-time buyer, looking to refinance, or expanding a real estate portfolio, my commitment is to provide responsive, strategic guidance, empowering clients to make informed financial decisions. At UPM, we believe in a client-first approach, aiming to redefine what it means to navigate the mortgage process.

Francis Hebron
SVP, Direct to Consumer

Francis Hebron is Founding Partner & Senior Vice President, Direct to Consumer at Uptiq Premier Mortgage, where he leads growth, recruiting, and the build‑out of scalable origination systems for high‑performing loan officers. He brings 15+ years in enterprise SaaS sales, digital transformation, and large market partnership development.

Experience that includes leading regional teams in higher education technology and driving multi‑million‑dollar adoption initiatives that improved student outcomes.

In real estate, Francis has built and scaled production teams across multiple markets, personally attracting talent, coaching performance, and driving growth under pressure. Recognized as a top producing sales leader early in his career, he now brings that same producer’s mindset to every LO he onboards at UPM: helping originators build businesses that close more, run cleaner, and scale faster.

Jen Garcia
Loan Partner

Jen Garcia is an experienced and detail-oriented Loan Partner with over a decade of expertise in the mortgage and financial services industry. Known for her client-focused approach and commitment to precision, Jen has supported hundreds of families and businesses in achieving their financial and homeownership goals.
Specializing in processing residential mortgages—including FHA, VA, conventional, and USDA loans—Jen excels at managing the intricate details of loan applications. Her deep understanding of the lending process and keen attention to compliance ensure that every file is handled with care, accuracy, and efficiency. By staying current with market trends and regulatory changes, Jen helps streamline the loan process for both clients and loan officers.
Jen’s clear communication and proactive problem-solving make her an invaluable partner in the mortgage journey. Whether it’s ensuring documentation is complete or resolving unexpected challenges, she works tirelessly behind the scenes to provide a smooth and stress-free experience for everyone involved.
Outside of work, Jen enjoys hiking in the Colorado Rockies, exploring new culinary adventures in the kitchen, and volunteering with local housing initiatives. Her passion for community shines through in her work, as she helps clients and partners build strong foundations for their futures.
Let Jen Garcia be your trusted Loan Partner, delivering expert guidance and dedicated support to help turn aspirations into reality.