Garcia Lending Team NMLS 218204 - Movement Mortgage

Garcia Lending Team NMLS 218204 - Movement Mortgage www.movement.com/legal When it comes to buying or refinancing a home, it's nice to know that someone is watching out for you.

Chris Garcia | Loan Officer
Our goal is to assist you make the right choice for you and your family, and we are committed to providing you customer service that exceeds your expectation. Mission

Our operation staff sets a goal to process loans 7 business days after an application is uploaded to our system. Currently, over 70% of our loans are processed within 7 business days of application. We ca

n have closing documents out weeks before closing and avoid all the last minute craziness. Exceeding expectations is what we do! Backwards processing

Movement Mortgage fully underwrites every file at the beginning of the loan process, not at the end. This integral step provides our Realtors® and borrowers with a clear road map to closing. It takes a little more work on our end, but provides a huge benefit to our valued clients! We completely restructured our entire operation. In most cases, our loans are completely processed by the time the appraisal comes in. The loan is then sent to closing early, and the instructions also go out early. This allows the title company to properly do its job because it doesn't have to deal with last minute surprises. All of these steps allows the Realtor®, buyer, and seller to move the closing date up if they want. Description

Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. As an experienced loan officer, we have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is our ultimate goal. And we are committed to providing my customers with mortgage services that exceed their expectations. We hope you’ll browse our website, check out the different loan programs we have available, use our decision-making tools and calculators, and use our secure online application to get started. After you’ve applied, we’ll call you to discuss the details of your loan, or you may choose to set up an appointment with us using our online form. As always, you may contact us anytime by phone, fax or email for personalized service and professional advice. We look forward to working with you.

09/08/2026

You don't need perfect conditions. You need workable numbers. 🏡

The perfect interest rate.
The perfect home price.
The perfect market.

It's easy to keep waiting for everything to line up just right.

But buying a home isn't about finding perfect conditions.

It's about finding numbers that make sense for YOU.

What monthly payment feels comfortable?
How much cash do you want to keep in savings?
What loan options fit your situation?
Does buying support the life you're trying to build?

Sometimes the market doesn't need to be perfect for the math to work.

And sometimes the math tells you that waiting is the better move.✨

Either way, knowing your numbers gives you something much more useful than guessing: clarity. 🤍

DM "NUMBERS" and let's look at what buying could actually look like for you.

👉 Link in BIO.

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

09/07/2026

Sometimes progress is knowing what you're waiting for. 🏡

Not every homebuyer needs to make a move right now.

Sometimes the smartest thing you can do is understand exactly what needs to happen before you do.

Maybe you're waiting to reach a savings goal.

Maybe you're working on your credit.

Maybe you need a certain monthly payment to make the numbers comfortable.

Or maybe you're simply waiting for life to line up with the move.

There's a big difference between waiting without a plan and waiting with a purpose.

When you know what you're working toward, you're still making progress.

The goal isn't always to move faster.✨

Sometimes it's simply knowing what needs to happen next. 🤍

DM "NEXT" and let's figure out what you're working toward and build a plan around it.

👉 Link in BIO.

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

09/06/2026

Preparation gives you something timing never can: options. 🏡

You can't control where rates will be six months from now.

You can't predict exactly what home prices will do.

And you can't know when the "perfect" house will hit the market.

But you CAN prepare.

Know your numbers.
Understand your financing options.
Build your savings.
Strengthen your credit.
Create a strategy that fits your goals.

Because when you're prepared, you're not depending on perfect timing to make your next move.

You have options.✨

And options give you the freedom to make a decision based on what works for YOU, not what the market tells you to do. 🤍

DM "OPTIONS" and let's talk about what you can do now to give yourself more choices later.

👉 Link in BIO.

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

09/05/2026

Your homebuying timeline should make sense for your life, not the headlines. 🏡

One week, you're hearing that rates might drop.

The next, prices are changing.

Then someone says you should buy now, while someone else says you should wait.

That's a lot of noise to base one of your biggest financial decisions on.

The better question isn't, "What is everyone else doing?"

It's, "What makes sense for me?"

Your income.
Your monthly budget.
Your savings.
Your goals.
Your plans for the next few years.

The market matters, but your life matters more.

You don't need to follow someone else's timeline or react to every headline.✨

You need a strategy that makes sense for YOU. 🤍

DM "TIMELINE" and let's look at your numbers, your goals, and what makes sense for your homebuying timeline.

👉 Link in BIO.

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

09/04/2026

The dream doesn't change overnight. Neither does the plan, and that's okay. 🏡

Some goals take time.

Maybe you're still building your savings.
Working on your credit.
Paying down debt.
Or waiting for your finances to feel a little more comfortable.

That doesn't mean you're standing still.

A good homebuying plan isn't about getting there as fast as possible. It's about making steady, intentional progress toward a decision that makes sense for you.

Your timeline might change.
Your strategy might need adjusting.
Your priorities might shift along the way.

That's all part of the process.✨

Keep the goal in sight, adjust the plan when you need to, and keep moving forward. 🤍

DM "PLAN" and let's talk about where you are today and what your next step could look like.

👉 Link in BIO.

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

09/03/2026

You can't control the market. You can control how prepared you are for it. 🏡

Rates will change.
Home prices will move.
Inventory will rise and fall.

Trying to perfectly time all of it can leave you waiting for a moment that may never look exactly how you imagined.

What CAN you control?

Your budget.
Your credit.
Your savings.
Your financing strategy.
Your understanding of your options.

The goal isn't to predict what the market will do next.

It's to put yourself in a position where you're ready to make a smart decision when the right opportunity comes along.✨

Focus less on predicting the market and more on preparing for it. 🤍

DM "PREPARE" and let's build a strategy around what you can control.

👉 Link in BIO.

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

🏡 Thinking about buying a home but not sure where to start?Join Chris & Theresa for a WSHFC Sponsored Home Buyer Educati...
09/03/2026

🏡 Thinking about buying a home but not sure where to start?

Join Chris & Theresa for a WSHFC Sponsored Home Buyer Education Class, a virtual two-night class designed to help you understand the homebuying process and prepare for your next steps.

We’ll cover:
🏠 Down payment assistance programs
💳 Credit and loan qualification
🔑 The homebuying process
🤝 Working with real estate agents
💰 Loan options for first-time homebuyers

📅 September 9 & 10, 2026
⏰ 6:00 PM – 8:30 PM
💻 Virtual Class

Whether you're hoping to buy soon or homeownership is still a little further down the road, this class can help you understand your options and start preparing now.

🎓 Plus, your Home Buyer Education Certificate is valid for 2 years, giving you time to take the next step when you're ready.

⚠️ Important: You must attend both nights to receive your certificate.

👉 Register here to save your spot:
https://us06web.zoom.us/.../register/fdokIaIXSh60Vo9fi4xYNA

Topics covered: • Down payment assistance programs • Credit and loan qualification • The homebuying process • Working with real estate agents • Loan options for first-time buyers Attendees must attend both nights to receive the certificate.

09/02/2026

A "not yet" can still have a plan. 🏡

Maybe buying a home isn't happening this month.

Maybe not even this year.

That's okay.

"Not yet" doesn't mean you have to put the goal completely on hold.

You can use this time to understand your credit, build your savings, explore loan options, and figure out what a comfortable monthly payment could look like.

The work you do now can put you in a stronger position when "not yet" finally becomes "I'm ready."

You don't need a purchase date to start preparing.✨

You just need a goal and a plan for getting there. 🤍

DM "NOT YET" and let's build a plan for whenever your timeline feels right.

👉 Link in BIO.

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

09/01/2026

That home you’re buying has an insurance claim history, and it could affect what you pay. 🏡👀

Past claims can contribute to higher homeowners insurance premiums, which can increase your monthly housing payment and even affect loan qualification.

That’s why I recommend getting your insurance quote as early as possible once you’re under contract. You don’t want to discover a higher payment right before closing.

👉 Link in BIO.

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

Sievers Real Estate

08/31/2026

Your savings can affect more than just your down payment. 💰🏡

Depending on the loan, lenders may also look at the funds you have available for closing costs and reserves after closing.

That extra cushion can give you more flexibility and help make the transition into homeownership feel a lot more comfortable.

The goal isn’t just getting enough money together to buy.

It’s making sure you still have breathing room once the keys are in your hand.

👉 Link in BIO.

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

Address

2465 Bethel Avenue, Suite 201
Port Orchard, WA
98366

Opening Hours

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

Telephone

+13605583110

Website

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