Your Mortgage Guy, Eric Garnicki #NMLS 363191

Your Mortgage Guy, Eric Garnicki #NMLS 363191 Your Mortgage Guy - Your friendly, go-to, seasoned home loan expert.

NMLS # 363191 DRE # 02101020
FL # LO70609 WA # MLO-363191
C2 Financial NMLS 135622 DRE # 01821025

http://www.nmlsconsumeraccess.org/

07/28/2022

💰 Go deep in one vertical by focusing on that one thing, get the success and THEN diversify 📈

06/30/2022

Here’s the easiest way to start investing in 2022

06/15/2022

There’s a ton of different finance strategies when buying a home. This is just one of many.
If you’d like to learn more just DM

06/03/2022

Hocus pocus 🧙‍♀️ - Here’s a simple trick that will boost your homes value.

It makes the presentation of the home pop out which makes for more appeal

05/03/2022

📌 How to get a loan if you are self-employed

❗️❗️ There’s more program these todays then ever before. A great way to organize is hiring a bookeeper. If you want suggestions feel free to DM 📧

04/26/2022

📌 Here’s a great way to start owning rental properties.

🏠 Buy your first primary, live in it for a year then convert that to a rental unit for either Airbnb or long term tenant.

📉 This way you get there best rate available under a primary residence, and slowly build up rentals.

💰 You can keep repeating the process to build up a nice size real estate portfolio.

📧 DM if you want to learn more on how to get started

04/20/2022

Here’s how you pay ZERO 💰 taxes on your rental income.

✔️This is another reason why owning real estate is so powerful and how it accelerates building your wealth. It’s a game of cash flow, and exercising what written in tax code.

The rich get rich 💴 by using these tax codes to minimize their tax expenses while leveraging debt as a tool to achieve that.

You also get the upside of appreciation on the rental property, and it eventually pays itself off to further increase your cash flow.

So you have 3 things working for you:

1️⃣ Deprecation for a write off
2️⃣ Appreciation of the property
3️⃣ Cash Flow from the rental income

📥 If you’d like to explore rental loan options, just shoot me a DM

04/19/2022

Top 3 Things You want to avoid doing before buying your new home

04/18/2022

These are the biggest home myths about home buying.

There’s tons of program that allow lower credit scores.

There’s also a lot of tactics to improve your score in a short period of time.

You also do not need a minimum of 20%, or even 10%. Some programs allow for as little as 3% down, and there is down payment assistance options as well where they cover you entire Dow payment.

Don’t worry if your area isn’t as affordable with home prices going up. Start small with a condo or town home, or explore areas little outside that are. This will help you jump start your path to wealth building.

Don’t let any of these factors stop you, explore your options and at the very least create a path of ownership in the process.

DM me if you have any questions

04/06/2022

Why You Don’t Need A 20% Mortgage Down Payment

Saving a 20% down payment for your home is a MYTH. There are several programs out there that don't require you to put this huge deposit.

Im a big proponent in leveraging debt and maximize your cash. Putting less in down payment salons you to free up more cash to diversify into more investments or real estate.

DM me for more info and can explore options.

02/21/2022

Just Because You’re Self-Employed Doesn’t Mean You Can’t Own A Home

Self-Employed Home Shoppers! Just because you're not a W2 employee doesn't mean you can't get a mortgage! It just means there's a few more hoops to jump through. Typically, a local bank or going online might not be your best option, but in the Independent Channel, we have access to over 75 lending options that are more catered for your circumstances. DM me or click here to set up an appointment and see what your options are today -

Address

1250 Aviation Avenue, Suite 200Q
San Jose, CA
95110

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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