The Garcia Team - NMLS# 276107 - Central Bank

The Garcia Team - NMLS# 276107 - Central Bank The Garcia Team - Central Bank
Sue King - NMLS # 276107
Berto Garcia - NMLS # 283916

Everyone's financial situation is different. However, a great way to start building your long-term wealth is by buying a...
09/09/2026

Everyone's financial situation is different. However, a great way to start building your long-term wealth is by buying a home. Part of each mortgage payment goes toward your loan principal, turning your housing cost into a tangible asset. Additionally, homes generally appreciate in value over time, making them a solid investment.

There are loan programs specifically designed to help first-time homebuyers achieve homeownership, and I would love to meet with you to see if you qualify!

Learn more about the pros and cons of renting and buying: https://www.centralbank.net/learning-center/homeownership/buying/buying-vs-renting-infographic/

Member FDIC | NMLS # 407985 | Equal Housing Lender

Our offices may be closed today, but I'm still here to help! If you have any questions or need assistance, don’t hesitat...
09/07/2026

Our offices may be closed today, but I'm still here to help! If you have any questions or need assistance, don’t hesitate to reach out via call, email, or direct message. Wishing you a wonderful holiday!

Here are my favorite road trips to take from St. Louis! Sometimes you just need a change of scenery—and we’re so lucky t...
09/04/2026

Here are my favorite road trips to take from St. Louis! Sometimes you just need a change of scenery—and we’re so lucky to have so many great places within driving distance. Tag your travel buddy below!

Follow for more local recs! 🤍

Trying to compare a permanent buydown and a temporary buydown?Here’s the simple difference:A permanent buydown is focuse...
09/02/2026

Trying to compare a permanent buydown and a temporary buydown?

Here’s the simple difference:

A permanent buydown is focused on lowering the rate for the life of the loan.

A temporary buydown is focused on lowering the payment for an introductory period, often the first 1 to 3 years.

Both can be useful in the right situation, but the better fit depends on your loan type, available funds, seller or builder concessions, and how long you plan to stay in the home.

For informational purposes only. Not a commitment to lend. Loan approval, terms, rates, costs, discount points, and concession limits are subject to borrower qualifications, credit approval, program guidelines, property eligibility, contract terms, and underwriting.

Member FDIC | NMLS # 407985 | Equal Housing Lender

It's Back to School Time! 📚As we gear up for a new school year, it's the perfect opportunity to brush up on some mortgag...
08/11/2026

It's Back to School Time! 📚

As we gear up for a new school year, it's the perfect opportunity to brush up on some mortgage basics and prepare for your journey to homeownership this fall!

Whether you're a first-time buyer or looking to upgrade, I'm here to help you navigate the process. Have questions? Don't hesitate to DM me anytime!

Member FDIC | NMLS # 407985 | Equal Housing Lender

FHA financing has helped many buyers move into homeownership sooner—and for the right borrower, it can be a practical an...
08/10/2026

FHA financing has helped many buyers move into homeownership sooner—and for the right borrower, it can be a practical and valuable option.

Its more flexible credit and down payment requirements may make homeownership feel more achievable, especially for buyers who are still building savings or strengthening their financial profile.

Choosing FHA should involve more than simply asking whether you qualify. It is also important to understand how the full monthly payment is calculated, how mortgage insurance works, what cash may be needed at closing, and whether the property meets FHA requirements.

Understanding those details can help you see how FHA fits into your complete financial picture and whether it supports both your current needs and long-term goals.

Have questions about FHA financing? Reach out, and we can walk through how it may compare with your other options.

Member FDIC | NMLS # 407985 | Equal Housing Lender

When deciding whether a Fixed-Rate or Adjustable-Rate mortgage is right for you, it's important to consider your current...
08/04/2026

When deciding whether a Fixed-Rate or Adjustable-Rate mortgage is right for you, it's important to consider your current and future finances.

Message me today, and we can explore your options to find the best path forward.

Read more about the different types of mortgages on our Learning Center: https://www.centralbank.net/learning-center/

Member FDIC | NMLS # 407985 | Equal Housing Lender

Events in St. Louis this month! Which ones will you attend?Landmarks Downtown Walking Tours: https://landmarks-stl.org/e...
08/03/2026

Events in St. Louis this month! Which ones will you attend?

Landmarks Downtown Walking Tours: https://landmarks-stl.org/events-2/tours/

Outdoor Yoga for a Cause with YogaSix St. Charles: https://docs.google.com/forms/d/e/1FAIpQLScWm3RhVpA2h2WHmuVadCRcwlDXo271LL7UqiwlifAeVQthXA/viewform

Saint Louis Art Museum: Dog Days of Summer: https://www.slam.org/event/dog-days-of-summer-3/

Saint Louis Art Museum: Teas & Tours—Picturing Independence: https://www.slam.org/event/teas-tours-picturing-independence/

Night at the Zoo: https://stlzoo.org/events/night-at-the-zoo

Yoga Under The Stars: https://www.slsc.org/event/planetarium-yoga-under-the-stars/?eventstart=1788219000&eventend=1788224400&timezone=America%2FChicago

Going into August, buyers may have more room to slow down, compare their options, and negotiate than they did during the...
08/01/2026

Going into August, buyers may have more room to slow down, compare their options, and negotiate than they did during the busiest part of spring.

That does not mean every home is discounted or that rates are suddenly low. It means the conversation should be about strategy.

Could a seller-paid closing-cost credit help reduce the cash you need at closing? Is there room to negotiate on a home that has been sitting? Could buying now make sense for your timeline while keeping the possibility of refinancing in mind if future conditions and your circumstances make it worthwhile?

The best move is not always waiting for the perfect rate or chasing the lowest price. It is understanding the full monthly payment, your upfront costs, and what fits your life right now.

Curious what today’s market could mean for your plans? Start the conversation here: https://www.centralbank.net/sueking/

For informational purposes only. Market conditions, seller concessions, loan options, costs, and eligibility vary by location, property, transaction, and individual financial circumstances. All loans are subject to credit and underwriting approval. Refinancing is not guaranteed and may involve additional costs.

Sue King | Sr. Mortgage Loan Officer| NMLS # 276107
Member FDIC | NMLS # 407985 | Equal Housing

Address

4901 Pernod Avenue
St. Louis, MO
63139

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

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