Team Garcia

Team Garcia Mortgage Loan Officers | NMLS #224036 | NMLS #1470022

For many potential homebuyers, one of the most common questions is: What will my monthly payment actually look like? And...
06/23/2026

For many potential homebuyers, one of the most common questions is: What will my monthly payment actually look like? And, probably more importantly, how does that fit into my overall budget?

Understanding your payment isn’t just about numbers; it’s about creating a plan you feel comfortable with.

💰It’s Not ‘One-Size-Fits-All’
The amount of money you put down upfront, or your down payment, can shape your homebuying plan in several ways.
It can influence:
• The size of your loan
• Your monthly payment
• The types of loan you may qualify for
In general, there’s no universal “right” down payment amount. Different are designed to suit different financial situations, which can mean different requirements.

🏠Breaking Down Your Monthly Payment
Your mortgage payment is made up of several components that typically include:
• Principal: the amount you’re borrowing
• Interest: the cost of the loan
• Taxes and insurance: often included depending on your loan structure

But you don’t have to decipher this yourself. Let us provide a more complete picture of what your month-to-month payments might look like.

Ready to take the 1st step? Connect with us today:
📲 571.246.4373
💻 www.goteamgarcia.com
📧 [email protected]

The ‘legalise’ 📄…
Tony Garcia, NMLS # 224036 | Jessica Garcia, NMLS # 1470022 | Primis Mortgage NMLS 1894879 | Disclosures:primisbank.com/disclosures

Cheers to summer sunsets, pool days, vacations… and finding the perfect place to call home.Wishing everyone a safe, fun,...
06/22/2026

Cheers to summer sunsets, pool days, vacations… and finding the perfect place to call home.

Wishing everyone a safe, fun, and memory-filled summer season!

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

Lenders are basically trying to answer one simple question: Can this borrower comfortably manage a mortgage payment? To ...
06/16/2026

Lenders are basically trying to answer one simple question: Can this borrower comfortably manage a mortgage payment?

To find the answer, we look at various factors, including:
• Income
• Debt
• Credit history
• Available funds
Don’t worry, it’s not about being perfect. It’s about showing a stable, well-rounded financial situation.

What You Earn vs. What You Owe 📊
One of your biggest factors is your debt-to-income ratio (DTI). This compares how much you earn each month and how much you already owe. We want to see if your income can reasonably support your existing obligations plus a potential mortgage payment. Even a high income can be offset by high monthly debt, so remember that balance is key!

Let’s Talk Credit Scores 💳
Your credit score helps show lenders how you’ve handled borrowing money in the past. It reflects your payment history, credit usage, and length of credit history. A higher score can potentially open the door to more options, but it’s just one piece of the puzzle. In short, your score matters, but it’s not the only thing that matters.

Planning Ahead is Your Key to Success 💡
Knowing what lenders are looking for is the first step towards building a budget and a plan that works for you and your wallet.

Ready to learn more about your options? Let’s connect.
📲 571.246.4373
💻 www.goteamgarcia.com
📧 [email protected]

The ‘legalise’ 📄…
Tony Garcia, NMLS # 224036 | Jessica Garcia, NMLS # 1470022 | Primis Mortgage NMLS 1894879 | Disclosures:primisbank.com/disclosures

Because it’s more than just real estate — it’s building stability, equity, and a future. National Homeownership Month is...
06/15/2026

Because it’s more than just real estate — it’s building stability, equity, and a future.

National Homeownership Month is the perfect reminder that investing in a home is one of the most meaningful investments you can make.

Thinking about buying this year? Let’s talk strategy, neighborhoods, and finding the right fit for your lifestyle.

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

Primis Assist combines with flexible financing options to make more accessible to more . 🎉If you feel like your hom...
06/10/2026

Primis Assist combines with flexible financing options to make more accessible to more . 🎉

If you feel like your home goals are out of reach, this could be your answer. Let’s connect today!

📲 571.246.4373
💻 www.goteamgarcia.com
📧 [email protected]

The ‘legalise’ 📄…

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

It’s about building memories, creating stability, and investing in your future. This National Homeownership Month, we’re...
06/08/2026

It’s about building memories, creating stability, and investing in your future. This National Homeownership Month, we’re celebrating everyone taking the next step toward owning a place to call home.

Thinking about buying this year? Let’s talk about your options and create a plan that works for you.

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

Whether you’re buying your first home, upgrading to your forever home, or investing in your future, homeownership is one...
06/01/2026

Whether you’re buying your first home, upgrading to your forever home, or investing in your future, homeownership is one of life’s biggest milestones.

Our team is here to help make the mortgage process simple, smooth, and exciting every step of the way.

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

This Memorial Day, we pause to honor and remember the courageous men and women who gave everything for our country.Becau...
05/25/2026

This Memorial Day, we pause to honor and remember the courageous men and women who gave everything for our country.

Because of their sacrifice, we have the freedom to build lives, create memories, and call a place “home.”

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

05/18/2026

Big news from Team Primis 🏆

Primis was honored with eight 2026 Top Workplaces awards — recognizing our culture, leadership, innovation, flexibility, employee well-being, and more.

These awards are especially meaningful because they’re based on feedback from our teammates. We’re proud to be building a workplace where great people can thrive and continue changing banking for the better.

See the full announcement: https://ow.ly/ZOPa50Z18ym

Discover the Primis Mortgage difference.As a subsidiary of Primis Bank, we bring you mortgage expertise backed by the st...
05/18/2026

Discover the Primis Mortgage difference.

As a subsidiary of Primis Bank, we bring you mortgage expertise backed by the strength and reliability of our parent bank. We’re obsessed with the customer experience, and it all starts here.

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

Address

220 N. Ames Street #100
Matthews, NC
28105

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 6pm
Sunday 9am - 6pm

Telephone

+19806559001

Website

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