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Ruben Garcia at Novus Home Mortgage - NMLS #328096

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Olympia Heights, FL
Ruben Garcia at Novus Home Mortgage - NMLS #328096

Ruben Garcia is the Branch Manager at Novus Home Mortgage a division of Ixonia Bank NMLS: 423065. Located in Miami, Florida 33172. Equal Housing Lender

05/30/2025

Home Projects That Add the Most Value

Whether you’re planning to move soon or not, you want to be strategic about which home projects you take on. Because not all of them will be worth it.

Before you decide what upgrades to tackle, talk to an agent who knows what’s in demand in your area and where you’re most likely to recoup the costs.

Let’s connect so you know which projects are actually worthwhile.

Whether you’re planning to move soon or not, you want to be strategic about which home projects you take on. Because not all of them will be worth it.

05/29/2025

Is It Better To Rent or Buy a Home?

Renting may feel more do-able today. But over time, it could cost you more – without helping you build anything for your future.

If homeownership feels out of reach today, you’re not alone. And the first step toward getting out of the rental trap is to set a plan. Let’s connect, set your specific goals, and explore your options – so you’re ready when the time is right.

You’ve probably asked yourself lately: Is it even worth trying to buy a home right now?

05/28/2025

The Secret To Selling Your House in Today’s Market

The market has changed, but your opportunity to sell hasn’t. You just need the right pricing plan. Let’s walk through what’s happening with prices in our area and determine what price would help your house sell quickly and for top dollar.

A few years ago, homes were flying off the shelves and getting multiple offers well over their asking price.

05/27/2025

Many Veterans Don’t Know about This VA Home Loan Benefit

VA home loans offer life-changing assistance, and a trusted lender and agent can help make sure you understand the details and are ready to move forward with a solid plan.

Do you know if you’re eligible for a VA home loan? Talk to a trusted lender who can help you see if you’d qualify.

For 80 years, Veterans Affairs (VA) home loans have helped countless Veterans buy a home.

05/26/2025

Common Real Estate Terms Explained

You don't need to have all these terms memorized, but a little knowledge goes a long way. Brushing up on the basics now means fewer surprises later – and more clarity when you buy a home.

What unfamiliar real estate term or phrase have you come across that wasn’t on this list?
Let’s connect and talk through it so you have a solid understanding of what it means and where it may show up in the homebuying process.

If you're a first-time homebuyer, chances are you'll come across some terms you’re not familiar with.

05/23/2025

Real Estate Is Voted the Best Long-Term Investment 12 Years in a Row

In a recent poll from Gallup, real estate has once again been voted the best long-term investment. And it’s claimed that top spot for 12 straight years now.

That’s because homeownership is one of the top ways to build your wealth, even with home price growth moderating and ongoing economic uncertainty.

If you’ve been trying to decide if it makes sense to buy a home today, let’s connect and talk about the programs that can help you become a homeowner.

If you’ve been trying to decide if it makes sense to buy a home today, connect with an agent to talk about the programs that can help you become a homeowner.

05/22/2025

Thinking about an Adjustable-Rate Mortgage? Read This First.

For the right buyer, ARMs can offer some big advantages. But they’re not one-size-fits-all. The key is understanding how they work, weighing the pros and cons, and thinking through if they’d be something that would work for you financially. And that’s why you need to talk to a trusted lender and financial advisor before you make any decisions.

If you’ve been house hunting lately, you’ve probably felt the sting of today’s mortgage rates.

05/21/2025

More Homes for Sale Isn’t a Warning Sign – It's Your Buying Opportunity

Don’t let the headlines scare you. Rising inventory isn’t a sign of a crash. It’s a step toward a more normal, stable housing market.

Maybe you’ve heard the number of homes for sale has reached a recent high.

05/20/2025

What Buyers Need To Know About Homeowners Association Fees

Before buying a home in an HOA community, it’s a good idea to review the rules and fees so you know exactly what’s included, how that fits into your overall budget, and what restrictions may apply.

Would you rather pay an HOA fee for added perks, or skip it and have full control over your property? Let’s talk about what’s best for you.

When buying a home, you’re probably thinking about mortgage rates, home prices, your down payment, and maybe even your closing costs. But you may not be thinking about homeowners association (HOA) fees.

05/19/2025

You Could Use Some of Your Equity To Give Your Children the Gift of Home

Your equity could be the thing that makes homeownership possible for your children when they might not be able to do it on their own. So, here’s the question.

If helping your kids buy a home was more feasible than you thought, would you want to explore that option?

If you want to learn more or find out the best way to make it happen, talk to your lender and a financial advisor you trust.

If you’re a homeowner, chances are you’ve built up a lot of wealth – just by living in your house and watching its value grow over time.

05/16/2025

Housing Market Forecasts for the Second Half of 2025

Are you wondering what to expect if you buy or sell a home in the second half of the year? Here’s what the expert forecasts tell you.

Mortgage rates are expected to come down slightly. There will be more homes available for sale. And as inventory rises, home price growth will moderate.

Want to know what this could mean for your plans? Let's connect and talk through it together.

Are you wondering what to expect if you buy or sell a home in the second half of the year? Here’s what the expert forecasts tell you.

05/15/2025

Why Would I Move with a 3% Mortgage Rate?

Keeping that low mortgage rate is smart – until it starts holding you back.

If a move is likely on the horizon for you, even if it’s a few years down the line, it’s worth thinking through the numbers now, so you can plan ahead.

What other price point do you want to see these numbers for? Let’s have that conversation, so I can show you how the math adds up. That way, you can make an informed decision about your timeline.

If you have a 3% mortgage rate, you’re probably pretty hesitant to let that go.

Address

Olympia Heights, FL
33172

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://www.novushomemortgage.com/loan_officers/rgarcia/

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