Dolores Rosa Garcia - Movement Mortgage

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Incomes grew 4.6% last year*. Monthly mortgage payments fell. That combination means a mortgage payment takes up a small...
09/30/2026

Incomes grew 4.6% last year*. Monthly mortgage payments fell. That combination means a mortgage payment takes up a smaller share of take-home pay today than it did a year ago**. The ratio improved.

On top of that: down payment assistance programs exist in most markets, gift funds are allowed on most loan types, and there are first-time buyer programs that change the upfront cost significantly.

The number you've been assuming you need and the number you actually need are often very different. The only way to know is to run it with someone who does this every day.

*U.S. Bureau of Labor Statistics, 2025 **Redfin, January 2026

With Investor Plus, short-term rentals are eligible on 1–4 unit properties, with as little as 10% down and no mortgage i...
09/29/2026

With Investor Plus, short-term rentals are eligible on 1–4 unit properties, with as little as 10% down and no mortgage insurance required on single units.

Short-term rentals have become an appealing strategy for a reason — they can generate more monthly income than a traditional long-term rental, and they offer the flexibility to use the property personally when it's not booked.

It's a detail worth knowing when you're evaluating whether a property works as an STR.

Note: For qualified borrowers. Additional restrictions apply. Must meet all loan program and borrower requirements.

For the past 24 years, I’ve had the privilege of working in the mortgage industry and helping families finance a place t...
09/29/2026

For the past 24 years, I’ve had the privilege of working in the mortgage industry and helping families finance a place they can truly call home. I still love what I do, but what fills my heart most is helping women feel confident and empowered when it comes to homeownership and their finances.

I have a special passion for helping single moms see that homeownership and financial freedom may be more possible than they think. And whether you’re a single mom, a stay-at-home mom, or simply a woman who wants to better understand her finances, I’m here for you.

I believe every woman deserves to know what’s going on with her finances and her home. You don’t have to know everything, but you should feel comfortable asking questions, understanding your options, and having a seat at the table when financial decisions are being made.

For me, this is about so much more than mortgages. It’s about helping women feel informed, supported, and confident about their future.

Looking forward to Thursday. And if you see me at the Mami Collective event, please come say hi! I’d genuinely love to meet you, hear your story, and connect. ❤️

As you get closer to the closing table it gets more tempting to do the things your loan officer told you not to when you...
09/29/2026

As you get closer to the closing table it gets more tempting to do the things your loan officer told you not to when you were first under contract. A new car, furniture financing, or a new credit card may seem harmless, but even small changes can affect the final stages of your loan approval. A little patience now helps keep your closing on track.

‼️ REAL ESTATE AGENTS: Big industry changes are coming November 2, and they'll affect nearly every transaction you make....
09/24/2026

‼️ REAL ESTATE AGENTS: Big industry changes are coming November 2, and they'll affect nearly every transaction you make.

Join me and Movement's appraisal experts on Oct. 6 at 2PM to learn exactly what to expect on your files so you can keep deals on track.

DM me to register.

For years, everyday buyers were competing against institutional money. Large corporate investors had deep pockets, all-c...
09/23/2026

For years, everyday buyers were competing against institutional money. Large corporate investors had deep pockets, all-cash offers, and the ability to move fast — creating additional challenges for individual buyers and small investors entering the market.

Federal law now restricts those large corporate investors from buying additional properties from existing housing stock.* The institutional buyers that once crowded out everyday buyers have largely stepped back.

That changes the math on making an offer. You're not competing against a hedge fund — you're competing against people in a similar position to you. Reach out and let's talk about what this means for your search.

*21st Century ROAD to Housing Act, Effective July 11, 2026.

If you're looking to grow your real estate portfolio, your rental income could help you get there. 🏠With a DSCR loan, yo...
09/22/2026

If you're looking to grow your real estate portfolio, your rental income could help you get there. 🏠

With a DSCR loan, you could qualify based on the income your investment property generates rather than your personal income.* That means no personal income verification or tax returns required, plus financing options for purchases, refinances and cash-out refinances.

Have your eye on your next investment property? Send me a message and let's see what's possible.

*Qualification is required. Additional restrictions apply. Program rates, terms and conditions are subject to change without notice.

If you're house hunting, don't skip over listings that have been around a little while.When a listing has been sitting f...
09/21/2026

If you're house hunting, don't skip over listings that have been around a little while.

When a listing has been sitting for a few weeks, sellers may be more open to negotiating. That could create opportunities for things like closing cost assistance, repair credits, or even a price reduction. Every situation is different, but asking about a home's time on the market could open the door to options you didn't expect. 🏡✨

Conventional Loan Limits are increasing! Starting TODAY, Movement is able to lend based on 2027 estimated loan limits be...
09/16/2026

Conventional Loan Limits are increasing!

Starting TODAY, Movement is able to lend based on 2027 estimated loan limits before the official FHFA announcement.

There are too many benefits and details to fit in one caption, so contact me today to see how this could impact your (or your clients') home financing options!*

*Qualification is required. Conventional loan type only and 2/1 and 1/0 temp buydown permitting. Additional restrictions apply. Movement Mortgage is not affiliated, endorsed, or sponsored by the Federal Housing Finance Authority or any other government agency. Available in continental U.S.

In real estate investing, cash is often the biggest limiting factor for what comes next for a property and an investor's...
09/15/2026

In real estate investing, cash is often the biggest limiting factor for what comes next for a property and an investor's portfolio. With Investor Plus, that's not the case.

👀 Can I put less than 20% down? Yes.
🤔 Can I use it as a short-term rental? Yes.
🤝 Is mortgage insurance required? Not on single-unit properties.

Investor Plus was designed around the way investors actually want to operate. Reach out and let's talk about whether it fits your plans.

Note: Qualification is required. Additional restrictions apply. Program rates, terms and conditions are subject to change without notice.

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Chicago, IL

Telephone

+17739615477

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