Luis Garcia, NMLS ID 961872 - NEXA Mortgage

Luis Garcia, NMLS ID 961872 - NEXA Mortgage My goal is to provide the latest news, tips, and best practices to help you meet you financial goals.

NEXA Mortgage LLC is an Equal Housing Lender, Corporate NMLS #1660690 | AZMB - 0944059
My goal is to provide the latest news, tips, and best practices to help you meet you financial goals.

Ask pretty much any lender and they’ll tell you that a good credit score is crucial if you want to get a mortgage. So, f...
06/16/2025

Ask pretty much any lender and they’ll tell you that a good credit score is crucial if you want to get a mortgage.

So, for all the homeowners and mortgage-owers out there, please, tell us:

[My credit score was _____ when I obtained my mortgage.]

“The ache for home lives in all of us, the safe place where we can go as we are and not be questioned.” - Maya Angelou Y...
06/13/2025

“The ache for home lives in all of us, the safe place where we can go as we are and not be questioned.” - Maya Angelou

You deserve a safe place to retreat to, a soft place to land, a shelter during the harshest of storms.

We want to make sure that you do.

If you’re on the hunt for a home but need a little help getting your hands on the keys, send us a message or give us a call. We’re happy to tell you more about the lending services we have to offer :)

Considering taking out a mortgage but not sure what your options are? Hello 👋, we can help with that! It is our passion ...
06/11/2025

Considering taking out a mortgage but not sure what your options are?

Hello 👋, we can help with that!

It is our passion to help others find the home of their dreams, and we are proud to offer our lending services to folks from all walks of life. So if you’re on the hunt for a new home and could use some help in the buying process, we encourage you to reach out!

Our DMs are always open ;)

Just setting out on your home-buying journey?Congratulations! We couldn’t be more proud.Obtaining a mortgage on a house ...
06/09/2025

Just setting out on your home-buying journey?

Congratulations! We couldn’t be more proud.

Obtaining a mortgage on a house can be an overwhelming experience, especially if it’s your first time. Thankfully, we’re experts on the subject — so please, allow us to help you out!

If you’re feeling uncertain about the home-buying process or have questions about how to get a mortgage, send us a message or give us a call!

We’re always here to help :)

For all the mortgage moguls out there… We want to hear from you: When it comes to paying off a mortgage, what is the bes...
06/06/2025

For all the mortgage moguls out there…

We want to hear from you:

When it comes to paying off a mortgage, what is the best piece of advice you can offer new homeowners?

Explain your answer in the comments down below!

“Buying real estate is not only the best way, the quickest way, the safest way, but the only way to become wealthy.” - M...
06/04/2025

“Buying real estate is not only the best way, the quickest way, the safest way, but the only way to become wealthy.” - Marshall Field

Unless you win the lottery, of course ;)

All jokes aside, buying a home is the key to unlocking your wealth. Luckily for you, there’s nothing we love more than helping our followers find the home of their dreams ❤️

Interested in making that happen? Want to learn more about the lending services we have to offer? Shoot us a message or give us a call!

“Real estate is the best investment in the world because it is the only thing they’re not making anymore.” - Will Rogers...
06/02/2025

“Real estate is the best investment in the world because it is the only thing they’re not making anymore.” - Will Rogers

We couldn’t have said it better ourselves!

Investing in property is an investment in your future. So let us help you make your investment — while supplies last ;)

Here’s a fun financing fact for you: Mortgage pre-qualification and mortgage pre-approval are completely different thing...
05/30/2025

Here’s a fun financing fact for you:

Mortgage pre-qualification and mortgage pre-approval are completely different things!

It’s a real shocker, we know ;)

Regarding pre-qualification, applicants provide information to the lender that supports their ability to pay their bills consistently and on time. This can include income, employment status, debts, credit scores, etc.

While this information is usually enough to pre-qualify the applicant for a mortgage, it is not yet verified. This means that the applicant is not yet approved, and additional information could disqualify them from applying.

To prevent this, we encourage you to go after pre-approval. Get your information verified first and spare yourself from the hassle!

Leave a comment down below or send us a message if you have any questions or need assistance navigating the lending process — we’re more than happy to help :)

You’ve decided to take out a loan to purchase your dream home, but you know next to nothing about responsible borrowing?...
05/30/2025

You’ve decided to take out a loan to purchase your dream home, but you know next to nothing about responsible borrowing?

That’s totally OK — we’re experts on the subject, and we’re more than happy to share some tips and tricks to help you out :)

Here’s our top three to get you started:

1. Browse your options and ask plenty of questions.
When it comes to responsible borrowing, research is crucial. The last thing you want to do is impulsively jump into a loan agreement and get stuck paying for years and years to come.
So explore your options, ask for advice, and make sure you’re getting the best loan possible!

2. Understand the difference between a secured and an unsecured loan.
Unsecured loans don’t require any collateral. With a secured loan, on the other hand, you could lose your home if you don’t make payments consistently or on time.

3. Always ask for the total amount you’ll need to repay before you borrow.
A shorter payment period may result in a lower Annual Percentage Rate (APR) amount..

We hope you found this informative! With these tips and tricks in mind, you’ll be fully prepared to borrow responsibly — but feel free to send us a message or leave a comment down below if we can assist you in the process :)

When it comes to mortgaging your home, staying on top of interest rates is crucial — especially in this economy. So now ...
05/28/2025

When it comes to mortgaging your home, staying on top of interest rates is crucial — especially in this economy.

So now we want to ask you:

Do you know the difference between an adjustable-rate mortgage and a fixed-rate mortgage?

For those who do know the difference, which mortgage would you rather have?

Share your thoughts in the comments!

Rising sea levels have lowered the value of my home. Now my mortgage is underwater 😂
05/28/2025

Rising sea levels have lowered the value of my home.

Now my mortgage is underwater 😂

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Mesa, AZ

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