Mortgage Team Garcia

10/16/2026

🦃🎄🥳 Is it too early to start thinking about the holidays? We don’t think so!

Have you heard about the ATM Loan from Primis Mortgage? It’s a different way to think about your mortgage and how your money works.

🏡 Here’s what makes it different:

With a traditional mortgage, your monthly payment generally goes toward interest and principal according to an amortization schedule.

With the ATM Loan, principal comes first—automatically, as deposits are applied to your balance.

💰 How does that help?

Deposits into your ATM account are swept toward your loan balance nightly. Interest is calculated daily on the outstanding balance, reducing what you owe and lowering the interest you pay. When you spend or transfer funds and your balance increases, interest is calculated on the amount outstanding.

🔄 Built for flexibility: The ATM Loan is a first-lien home equity line of credit that serves as your primary mortgage, with access to available credit for up to 30 years, subject to your approved limit and loan terms.

🎁 A holiday idea: Love earning credit card points or travel rewards? You may be able to use your credit card for holiday purchases and then use available ATM funds to pay off the balance. Just compare the costs and terms.

Want to learn how it works? Let’s connect!

📩 [email protected]
📞 443-MTG-LEND
🌐 www.mtglend.com

Tony Garcia | NMLS: 224036
Jessica Garcia | NMLS: 1470022
Primis Mortgage | NMLS: 1894879
Disclosures: Primisbank.com/disclosures

*The ATM Loan is secured by your home. Credit approval and product guidelines apply.

10/15/2026

🏡 Your situation is where we start. Not where we stop.

Every homeownership journey looks a little different. Some people are ready to buy today. Others have questions, obstacles to work through, or goals that will take a little time to reach.

Wherever you are in that journey, we believe you deserve to understand your options.

Sometimes, there may be a financing solution available right now. Other times, the best place to start is with a plan — understanding where you are today, identifying what needs to happen next, and creating a path toward your goal.

Our approach is simple: we meet you where you are, explore the possibilities, and help you figure out your next step.

Because a conversation about homeownership shouldn’t leave you feeling stuck. It should leave you feeling informed, encouraged, and equipped to move forward. ❤️

Ready to buy? Let’s explore your options.

Not ready yet? Let’s build a plan.

Your situation is where we start. Not where we stop.

Tony & Jessica Garcia | Loan Officers
NMLS: 224036 | NMLS: 1470022
📱 443-MTG-LEND
📧 [email protected]
🌐 MTGLend.com

🇺🇸 Nationwide Lending | English & Español

All financing subject to qualification, underwriting approval, and program guidelines. No financing or approval is guaranteed.

10/14/2026

⭐ Another 5-star experience! ⭐️
Thank you Celia Estrada for your trust and partnership. We’re grateful for the opportunity to help make the home financing process smooth and enjoyable. Here’s to many more successful closings together! 🏡🤝
 

10/14/2026

📊🏡 WEEKLY MORTGAGE RATE UPDATE | PRIMIS MORTGAGE 💚

Keeping up with mortgage rates can help you make informed decisions about your homeownership goals! 🔑

Here’s this week’s rate snapshot:

🏡 30-Year Conforming: 7.361%
🏠 30-Year Jumbo: 7.495%
💚 30-Year FHA: 7.181%
🇺🇸 30-Year VA: 7.110%

📌 Remember: These rates are a snapshot, not a guarantee of the rate you’ll receive!

Your individual mortgage rate may be higher or lower depending on several factors, including:

✅ Credit score and credit history
✅ Down payment and loan-to-value ratio
✅ Loan type and loan amount
✅ Property type and occupancy
✅ Discount points paid
✅ Market conditions and lender-specific pricing

Every borrower’s situation is different, and the best loan option depends on your individual goals and circumstances.

💚 Have questions about buying a home or exploring your mortgage options? We’re here to help!

Tony Garcia & Jessica Garcia
Loan Officers | Primis Mortgage
📞 443-MTG-LEND
📧 [email protected]
🌐 MTGLend.com

Rates may change at any time. This is not a commitment to lend. All loans are subject to credit approval and program guidelines.

Tony Garcia | NMLS: 224036
Jessica Garcia | NMLS: 1470022

10/13/2026

Online mortgage calculators can be useful starting points … but they're just that: a starting point.

They don't know your complete financial picture, your future plans, your comfort level, your other financial priorities, or the specific details of the home you're considering.

That's why a conversation with a mortgage professional can be much more useful than relying solely on an online estimate. Let’s talk today!

Tony Garcia, NMLS #: 224036, Primis Mortgage NMLS # 1894879
Disclosures:primisbank.com/disclosures

10/10/2026

🏡💚 WHAT IF YOU DIDN’T HAVE TO WAIT FOR RATES TO DROP TO BUY YOUR HOME?

One of the biggest things holding buyers back right now is the uncertainty around mortgage rates. We hear it all the time: “We’re going to wait and see what happens with rates.”

But what if there’s another way to approach your homebuying journey? 👀🔑

With the Primis Mortgage Bounce Back Plan, eligible homebuyers may be able to purchase a home now and explore refinancing later if rates improve!

💚 Here’s what the program offers:
✅ No lender fees*
✅ Credit of up to ½ point that may be applied toward a rate buydown or eligible closing costs**

The truth is, there’s no crystal ball for mortgage rates. 📉 And while waiting may make sense for some buyers, it’s worth exploring your options before putting your homeownership goals on hold!

🏡 Let’s make a plan that works for YOU.

Whether you’re a first-time homebuyer, ready to upgrade, or simply wondering what you can afford, we’re happy to walk you through your options and help you understand what may be possible.

📲 Tony & Jessica Garcia | Loan Officers
Primis Mortgage | Mortgage Team Garcia

📞 443-MTG-LEND
📧 [email protected]
🌐 www.mtglend.com

Let’s talk! 💚

*Program eligibility, credit approval, product guidelines, and applicable terms and conditions apply. No lender fees excludes third-party fees. **Credit of up to ½ point is based on the loan amount and may be applied toward a rate buydown or eligible closing costs, subject to program terms. Refinancing is not guaranteed and is subject to qualification, credit approval, market conditions, and applicable guidelines. Offer availability and terms may vary by state. Contact us for complete details.

Tony Garcia | NMLS #224036
Jessica Garcia | NMLS #1470022

Primis Mortgage Company, a subsidiary of Primis Bank, Member FDIC. Equal Housing Lender.

10/05/2026

Fall and football season is here … and so is a new season of home goals.

Whether you’re thinking about buying your first home, moving into a new one, or simply exploring your mortgage options, now is a great time to get your game plan together. Because when it comes to the home buying journey, it pays to have a game plan.

Ready to make your next move? Let’s talk.

Tony Garcia, NMLS #: 224036, Primis Mortgage NMLS # 1894879
Disclosures:primisbank.com/disclosures

10/02/2026

A Strategy to Help Buyers Buy and Sellers Sell:

A 2-1 Buydown can help make homeownership more affordable by giving buyers a lower monthly payment during the first two years of their mortgage. Typically, the seller contributes toward the buyer’s upfront interest costs, allowing the buyer’s interest rate to be 2% lower in the first year and 1% lower in the second year. After that, the loan returns to the original note rate.

Want to see what this could look like for a specific home? Use our Buydown Calculator to estimate the payment savings and determine how much may be needed in seller concessions.

See the benefits of a 2/1 Buydown!

10/01/2026

Realtors: here’s a tool worth bookmarking. 🔖🏡

When a listing is sitting and a seller is considering a price reduction, a 2-1 buydown funded with seller concessions may be another strategy worth exploring.

But the obvious question is: How much would it actually cost?

That’s exactly why we built this. 👇

🧮 buydown.mtglend.com

Plug in the purchase price, down payment and current interest rate to quickly see:

✓ Estimated cost of the buydown
✓ Buyer’s reduced payments in Years 1 & 2
✓ How much of the seller concession the buydown would use
✓ Remaining concession dollars
✓ A quick reference for maximum seller contributions by loan type

It gives you real numbers to take back to your seller—or use when discussing an offer with a buyer—without waiting for us to manually run every scenario.

And when you do need us to structure the actual financing, you know where to find us. 😉

Tony & Jessica Garcia | Loan Officers
📞 443-MTG-LEND
📧 [email protected]
🌐 MTGLend.com

09/30/2026

Seller concessions can be a lot more powerful than simply reducing your cash to close. 🏡💰

Depending on the loan program, a negotiated seller credit may be used to permanently buy down your interest rate, fund a temporary buydown, or cover eligible closing costs—potentially making the financing work better for you.

The key is knowing how to structure the offer and where that credit can have the biggest impact. That’s where having your financing figured out before you negotiate can make a difference.

Thinking about making a move? Let’s get you pre-approved and explore how to maximize your options.

📲 443-MTG-LEND
📧 [email protected]
🌐 www.mtglend.com

Seller contributions and allowable uses vary by loan program, transaction and eligibility. Examples are for informational purposes only and are not a commitment to lend.