Mary B Garcia Lender

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We welcome the new year with gratitude and optimism. Wishing you health, success, and prosperity in the months ahead—and...
12/31/2025

We welcome the new year with gratitude and optimism. Wishing you health, success, and prosperity in the months ahead—and looking forward to new opportunities and shared achievements ✨

Te deseamos un año nuevo lleno de salud, éxito y logros personales y profesionales. Brindamos por seguir avanzando y lograr más juntos en el 2026 🎉 Feliz Año Nuevo ✨

This Christmas, we’re reminded that the greatest gifts are love, kindness, and togetherness. Thank you for being part of...
12/23/2025

This Christmas, we’re reminded that the greatest gifts are love, kindness, and togetherness. Thank you for being part of our journey this year. Wishing you and your loved ones a Merry Christmas and a season filled with joy, peace, and happiness. 🎄✨

Esta Navidad, recordamos que los regalos más grandes son el amor, la bondad y el estar juntos. Gracias por ser parte de nuestro camino este año. Les deseamos a usted y a sus seres queridos una Feliz Navidad y una temporada llena de alegría, paz y felicidad. 🎄✨

💳 Want a better credit score? It’s easier than you think! Here are 3 proven ways to boost your score:1️⃣ Pay down debt –...
10/15/2025

💳 Want a better credit score? It’s easier than you think! Here are 3 proven ways to boost your score:

1️⃣ Pay down debt – Lower your credit utilization to under 30%.
2️⃣ Pay your bills on time – Set reminders or auto-pay to never miss a due date.
3️⃣ Keep credit card balances low – Even if you pay on time, high balances can hurt your score.

👇🏼
🏠Mary B. Garcia. Kalb Advisors, your mortgage solution
☎️Call me now at 👉🏼(832)335-2914
🏠NMLS (Texas and Florida): 1577250
🗣I can help you in English and Spanish
👇🏼
•
*Programs available only to qualified borrowers and subject to change without notice.

Consistency is key! Start today and give your credit score the boost it deserves. 🚀

✨ Bank Statement Loans ✨
Make it easier for self-employed and non-traditional earners to qualify for a mortgage. ✅Instea...
08/18/2025

✨ Bank Statement Loans ✨

Make it easier for self-employed and non-traditional earners to qualify for a mortgage. ✅
Instead of tax returns, you can use 12–24 months of bank statements to verify income — ideal for:

💼 Self-employed with tax write-offs
📊 Multiple income sources
🌴 Seasonal or variable earners
🏡 Asset-rich, income-light clients

Your dream home may be closer than you think! 💫

👉 Contact or DM me to learn more.

👇🏼
🏠Mary B. Garcia. Kalb Advisors, your mortgage solution
☎️Call me now at 👉🏼(832)335-2914
🏠NMLS (Texas and Florida): 1577250
🗣I can help you in English and Spanish
👇🏼
•
*Programs available only to qualified borrowers and subject to change without notice.

Condotels: The Fast-Growing Vacation Home MarketLooking to own a piece of paradise that doubles as an investment? 🌴 Cond...
08/08/2025

Condotels: The Fast-Growing Vacation Home Market

Looking to own a piece of paradise that doubles as an investment? 🌴 Condotels offer the perfect blend of vacation living and income potential.

✅ Loan amounts up to $3.5M
✅ Units min. 500 sq ft with full kitchen
✅ Eligible for primary, 2nd home, or investment
✅ Interest-only options available
✅ Up to 75% LTV
✅ Flexible documentation: Full Doc, Bank Statement, Asset Depletion, DSCR
✅ DTI up to 50%

📲 Ready to explore Condotel financing? Let’s talk opportunities!

👇🏼
🏠Mary B. Garcia. Kalb Advisors, your mortgage solution
☎️Call me now at 👉🏼(832)335-2914
🏠NMLS (Texas and Florida): 1577250
🗣I can help you in English and Spanish
👇🏼
•
*Programs available only to qualified borrowers and subject to change without notice.

📢 2025 FHA Loan Limits Are Here for Miami-Dade!Thinking of buying a home with an FHA loan? Good news — the new loan limi...
07/22/2025

📢 2025 FHA Loan Limits Are Here for Miami-Dade!

Thinking of buying a home with an FHA loan? Good news — the new loan limits give you more room to buy in South Florida’s competitive market.
🏡 New Limits for 2025:

✅ 1-unit: $654,350
✅ 2-unit: $837,700
✅ 3-unit: $1’012,550
✅ 4-unit: $1’258,400

💡 FHA loans offer low down payments and flexible approval — now with higher purchase power.

📩 Contact me to see if you qualify or learn how much home you can afford this year.

👇🏼
🏠Mary B. Garcia. Kalb Advisors, your mortgage solution
☎️Call me now at 👉🏼(832)335-2914
🏠NMLS (Texas and Florida): 1577250
🗣I can help you in English and Spanish
👇🏼

*Programs available only to qualified borrowers and subject to change without notice.

💼 Self-Employed? We’ve got big news.
Our newest loan programs are built for flexibility—and fewer hoops to jump through....
07/17/2025

💼 Self-Employed? We’ve got big news.

Our newest loan programs are built for flexibility—and fewer hoops to jump through. 🙌

✅ Bank Statement & 1099 Loans

• Up to 90% LTV with a 680+ credit score
• Use 12 or 24 months of personal or business statements
• No tax returns or accountant letter needed
• Bitcoin & Ethereum accepted for down payment, closing costs & reserves
• No tradeline requirement if you have 3 credit scores
• Min credit score: 640
• Loan amounts up to $4M
• Gift funds & multiple businesses accepted

📲 Ready to qualify on your terms? Let’s talk.

👇🏼
🏠Mary B. Garcia. Kalb Advisors, your mortgage solution
☎️Call me now at 👉🏼(832)335-2914
🏠NMLS (Texas and Florida): 1577250
🗣I can help you in English and Spanish
👇🏼
•
*Programs available only to qualified borrowers and subject to change without notice.

🪪Tax identification number👥Múltiples socios💰Deducciones de gastos🏦Withholding Tax 15% (solo extranjeros) 🏠Depreciación d...
05/22/2025

🪪Tax identification number
👥Múltiples socios
💰Deducciones de gastos
🏦Withholding Tax 15% (solo extranjeros)
🏠Depreciación de propiedad (3.6%)
👉🏼1031 Exchange (diferir ganancia de capital)
💳Líneas de crédito a tu nombre
👇🏼
☎️Llámame ya! 👉🏼 832.335.2914
👩🏻Mary B. García 👉🏼 NMLS: 1577250
🗣Hablo Español💃🏻

🎉🍾Está linda familia cerró su primera casa en USA!!! 🇺🇸 🇲🇽 Muy emocionada por ellos! Cómo lo he dicho antes, esta es la ...
05/15/2025

🎉🍾Está linda familia cerró su primera casa en USA!!! 🇺🇸 🇲🇽 Muy emocionada por ellos! Cómo lo he dicho antes, esta es la mejor parte de mi trabajo. Ver la felicidad que produce cumplir metas. Felicidades de parte de todo el equipo!
👇🏼
☎️Llámame ya! 👉🏼 832.335.2914
👩🏻Mary B. García 👉🏼 NMLS: 1577250
🗣Hablo Español💃🏻

👉🏼 Si tienes el dinero para el downpayment en el banco 🏦 NO recomiendo que lo hagas! La tasa de interés es más alta! 👀OJ...
04/29/2025

👉🏼 Si tienes el dinero para el downpayment en el banco 🏦 NO recomiendo que lo hagas! La tasa de interés es más alta! 👀OJO!! NADA ES GRATIS! Toma mejor los préstamos convencionales al 3% de downpayment, y FHA al 3.5% de downpayment. 👉🏼Estos te ofrecen muy bajos intereses! 🤙🏼📲 Consulta primero conmigo! Estudiamos detenidamente tu caso y te presentamos tu mejor alternativa!
👇🏼
☎️Llámame ya! 👉🏼 832.335.2914
👩🏻Mary B. García 👉🏼 NMLS: 1577250
🗣Hablo Español💃🏻

🇲🇽 Felicitaciones a esta linda familia en el cierre de su primera casa! 👏🏼 Estos logros nunca dejan de emocionarme. Siem...
04/25/2025

🇲🇽 Felicitaciones a esta linda familia en el cierre de su primera casa! 👏🏼 Estos logros nunca dejan de emocionarme. Siempre es un placer ayudar a mis clientes a alcanzar sus metas! 🏁
👇🏼
☎️Llámame ya! 👉🏼832.335.2914
👩🏻Mary B. García 👉🏼 NMLS: 1577250
🗣Hablo Español💃🏻
•

The higher the credit score ⬆️, the lower the interest rate ⬇️. It’s key to have a good credit score for eligibility whe...
04/25/2025

The higher the credit score ⬆️, the lower the interest rate ⬇️. It’s key to have a good credit score for eligibility when applying for a loan 💵, but keep in mind that it also determines the interest rate! Call me for more info and get your process started!
👇🏼
☎️Call me now! 👉🏼832.335.2914
👩🏻Mary B. García 👉🏼 NMLS: 1577250
🗣Hablo Español💃🏻
•

Address

4739 Merwin Street
Houston, TX
77027

Telephone

+18323352914

Website

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