Garcia Lending Team NMLS 218204 - Movement Mortgage

11/02/2026

You've probably heard someone say they're "buying down the rate."

That can mean paying additional upfront costs, such as discount points, in exchange for a lower interest rate.

But lower isn't automatically better.

You have to compare what you're paying upfront with the potential monthly savings and consider how long you expect to keep that loan.

The right answer can look different depending on your plans.

So instead of chasing the lowest rate on the page, let's look at what you're getting in exchange for the cost.

DM "RATE" and let's run the scenarios side by side.

👉 Link in BIO.
🔗 Start here: www.GarciaLendingTeam.com
📞 Call/Text: 360-649-3742

11/01/2026

5.0 star review received on Experience.com for Chris Garcia by Jennifer S - Timely communication, inforsupport suppodance were all amazing.

Click to see all 122 reviews of Chris Garcia, Loan Officer

11/01/2026

Two homes can have the exact same asking price but very different monthly expenses.

Why? Because your mortgage payment isn't the only number to consider.

Depending on the property, you'll also want to factor in:

🔑 Property taxes
🔑 Homeowners insurance
🔑 HOA dues, if applicable
🔑 Utilities and ongoing maintenance
🔑 Potential repairs and future improvements

And here's something worth remembering: just because a home fits your purchase budget doesn't automatically mean it fits your everyday budget.

That's why I encourage buyers to look beyond the listing price and think about what homeownership will realistically cost month after month.

✨ The takeaway? The goal isn't just to afford the home on closing day. It's to feel comfortable owning it long after the keys are yours.

DM "BUDGET" and let's talk about what a comfortable homebuying budget could look like for you.

👉 Link in BIO.

🔗 Start here: www.GarciaLendingTeam.com
📞 Call/Text: 360-649-3742

11/01/2026

5.0 star review received on Experience.com for Chris Garcia by Carrie C - Was great to work with Chris, great communication and if I have any buyers that don't have a lender I will definitely think of him.

Click to see all 122 reviews of Chris Garcia, Loan Officer

10/31/2026

Underwriting. Escrow. Closing costs.

Mortgage language can sound a little intimidating when you're hearing it for the first time. 👻🏡

But once someone explains what these terms actually mean, they're a lot less scary.

That's one of the biggest parts of my job.

Not just helping you get a mortgage, but making sure you understand what's happening along the way.

Because the only thing that should scare you this Halloween is what's knocking at the door asking for candy. 🎃😂

Have a mortgage term that's been confusing you? Send it my way.

👉 Link in BIO.

🔗 Start here: www.GarciaLendingTeam.com
📞 Call/Text: 360-649-3742

10/30/2026

🏡 A home can look move-in ready and still come with expensive surprises.

Fresh paint, updated countertops, and beautiful flooring can make a home feel like the perfect find.

But what about the things you can't immediately see?

A home might look great during a showing, but that doesn't always tell you the full story about its condition.

Before getting too attached to those gorgeous finishes, take a closer look at:

🔑 Roof and HVAC: How old are they, and when were they last serviced?
🔑 Plumbing and electrical: Are there any known issues or major updates?
🔑 Previous renovations: Were improvements completed properly, with permits when required?
🔑 Maintenance history: Has the home been consistently cared for over the years?

And don't underestimate the value of a professional home inspection. Even a beautifully renovated home can have issues that aren't obvious during a walkthrough.

Remember, the purchase price is only one part of the financial picture. Unexpected repairs and maintenance can affect your budget long after closing.

✨ The takeaway? Fall in love with the home, but make sure you understand what you're buying.

A little extra homework today could help you avoid some expensive surprises tomorrow.

Thinking about buying a home in Washington? Let's make sure your financing plan leaves room for life after closing, too!

👉 Link in BIO.
🔗 Start here: www.GarciaLendingTeam.com
📞 Call/Text: 360-649-3742

10/29/2026

🏡 A home can look beautiful on the surface, but what's happening behind the scenes?

Fresh paint, modern finishes, and a beautifully updated kitchen can make a great first impression.

But when you're buying a home, there's more to consider than what catches your eye during a showing.

A home that's been consistently maintained may be just as appealing as one that's recently renovated. After all, those less exciting details can make a big difference in what homeownership looks like down the road.

Before making an offer, it's worth asking about:

🔑 Roof and HVAC: How old are they, and when were they last serviced?
🔑 Plumbing and electrical: Have there been any major updates or repairs?
🔑 Past improvements: What work has been done, and were permits obtained when required?
🔑 Maintenance history: Are there service records or documentation available?

Of course, even a well-maintained home can have unexpected issues, which is why a professional home inspection is still an important part of the process.

✨ The takeaway? Don't let the shiny upgrades distract you from the bigger picture. A home's condition and maintenance history deserve just as much attention as its appearance.

Because finding a home you love is exciting, but understanding what you're buying is just as important. 🏡

👉 Link in BIO.
🔗 Start here: www.GarciaLendingTeam.com
📞 Call/Text: 360-649-3742

10/28/2026

A low appraisal can feel like a major problem, but it doesn't automatically mean the purchase is over. 🏡

Let's say you agreed to buy a home for $500,000, but the appraisal comes back at $485,000.

Now there's a $15,000 gap between the contract price and appraised value.

What happens next depends on your contract and the circumstances of the transaction. The seller may agree to reduce the price, the buyer may decide to cover some of the difference, or both sides may negotiate another solution.

Your financing can also be affected, so this is where communication between you, your Realtor, and your lender becomes especially important.

Don't panic.

Understand the gap, review your options, and make the decision that works for you.

👉 Link in BIO.

🔗 Start here: www.GarciaLendingTeam.com
📞 Call/Text: 360-649-3742

10/27/2026

A good lender doesn't just give you a number. They help you understand it.

You deserve to know more than:

"You're approved for $$."

What could the monthly payment look like?

How much cash might you need?

What changes if you buy for less?

What loan options could make sense?

What happens if rates move?

Where are the tradeoffs?

Mortgage numbers shouldn't feel like something you just accept because someone told you they work.

My job is to help you understand the options so you can make a decision that makes sense for your life.

DM "NUMBERS" if you want to understand the why behind your financing options.

👉 Link in BIO.
🔗 Start here: www.GarciaLendingTeam.com
📞 Call/Text: 360-649-3742

10/26/2026

The keys come last. The preparation comes first. 🔑

The exciting part is getting the keys.

But a lot happens before that moment.

Understanding your budget. Reviewing credit and income. Getting pre-approved. Saving for upfront costs. Comparing loan options. Shopping for homes. Making an offer. Navigating the loan process.

None of those steps are as Instagram-worthy as the key photo. 😂

But they're what help get you there.

If buying a home is on your radar, even if it's months away, you can start preparing before you're ready to start touring.

DM "ROADMAP" and let's map out the steps between where you are and where you want to be.

👉 Link in BIO.
🔗 Start here: www.GarciaLendingTeam.com
📞 Call/Text: 360-649-3742