Kortnee Garcia - Loan Officer NMLS: 297233

Kortnee Garcia - Loan Officer NMLS: 297233 Mortgage Lender for 20+ years, and I am a Yuma native. I love what I do and have a passion for helping local home buyers
NMLS 297233 Equal Housing Lender

Kortnee Garcia
Loan Officer NMLS: 297233
CrossCountry Mortgage- NMLS 3029
Helping families feel confident through every step of the home loan process. 🏡✨

Kortnee Garcia is the Branch Manager of The Garcia Group Home Loan Team, proudly serving Arizona and clients across the country with personalized mortgage solutions and unmatched customer care. With decades of industry experience, Kortnee and he

r team specialize in VA loans, first-time homebuyers, refinancing, and helping local heroes achieve homeownership. Known for their communication, education-first approach, and ability to make even the most complex transactions feel seamless, The Garcia Group is passionate about creating relationships that last long after closing day. Whether you’re buying your first home, PCS’ing to Yuma, upgrading, downsizing, or refinancing, The Garcia Group is committed to helping you navigate the mortgage process with confidence.

📍 Yuma, AZ
🏠 Licensed in multiple states
🇺🇸 VA Loan Specialists
❤️ Proud supporters of our military and local community

FHA 203K and HomePath Renovation Loan Specialist! Main Office Licensed as a Mortgage Banker with the Arizona Department of Financial Institutions No. 0919020
This office is licensed and examined by the Office of the Consumer Credit Commissioner of the State of Texas

Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Georgia Residential Mortgage Licensee



CrossCountry Mortgage, LLC does business in the State of New York as CrossCountry Financing. Licensed Mortgage Banker – NYS Department of Financial Services. CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval. Certain restrictions apply. Call for details. Certificate of Eligibility required for VA loans. NMLS3029 (www.nmlsconsumeraccess.org). Equal Housing Opportunity. Personal NMLS 297233 Branch NMLS 2822230 Company NMLS 3029

After years of helping buyers in Yuma, there are a few things I wish someone had told them at the very beginning. 🏡So he...
06/16/2026

After years of helping buyers in Yuma, there are a few things I wish someone had told them at the very beginning. 🏡

So here it is — straight from me to you:

💡 You don't need 20% down.
There are loan options that require much less. Don't let that number be the reason you wait.

💡 Pre-approval isn't a commitment.
Getting pre-approved doesn't mean you have to buy. It just means you'll know exactly where you stand when you're ready.

💡 Your credit doesn't have to be perfect.
We work with buyers at all stages. If your score isn't where you want it, let's make a plan to get there together.

💡 The process is less scary than it looks.
With the right lender walking you through every step, it's actually pretty manageable. That's what we're here for.

💡 The best time to ask questions is before you start.
No question is too small. We'd rather you feel informed and confident than confused and stressed.

If you're thinking about buying — even just thinking about it — reach out. Let's talk through it.

📧 [email protected]
📲 Alejandra: 928-388-8921
📲 Kortnee: 928-246-2132
📲 Kaitlyn: 928-261-7367

Most people don't realize how different the homebuying experience feels when you have the right lender in your corner. 🤝...
06/10/2026

Most people don't realize how different the homebuying experience feels when you have the right lender in your corner. 🤝

Here's what we hear from buyers — and what actually changes:

💭 "I don't know if I even qualify."
→ We walk you through your numbers before you ever tour a home. No guessing.

💭 "The paperwork is overwhelming."
→ We break it down step by step so nothing feels like a surprise.

💭 "I'm scared the timeline will fall apart."
→ We've closed in 23 days. We know how to move fast when it matters.

💭 "I don't know which loan is right for me."
→ We explain every option (FHA, VA, Conventional, and more) in plain language.

You deserve to feel confident, not confused, through one of the biggest decisions of your life. That's exactly what we're here for. Let's chat!

📧 [email protected]
📲 Alejandra: 928-388-8921
📲 Kortnee: 928-246-2132
📲 Kaitlyn: 928-261-7367

Summer is here! If buying a home has been on your mind, this is your sign to stop waiting and start moving. 🏡☀️Yuma's ma...
06/09/2026

Summer is here! If buying a home has been on your mind, this is your sign to stop waiting and start moving. 🏡☀️

Yuma's market doesn't slow down in the summer. But the buyers who feel the most confident? They didn't start at the listing; they started with a plan.

Here's what actually needs to happen before you make a move this summer:

✅ Get pre-approved so you know your real budget
✅ Understand what your monthly payment looks like for your life
✅ Know your timeline so nothing catches you off guard
✅ Have a lender in your corner who moves as fast as you do

The Garcia Group can help you understand exactly where you stand and what needs to happen next—so when the right home comes along, you're ready for it.

Ready to make this your summer? Let's talk:
📧 [email protected]
📲 Alejandra: 928-388-8921
📲 Kortnee: 928-246-2132
📲 Kaitlyn: 928-261-7367

May was full of the things that matter most. ☀️Between helping families achieve their homeownership goals, we made time ...
06/03/2026

May was full of the things that matter most. ☀️

Between helping families achieve their homeownership goals, we made time for family, kicked off river season with friends, fueled up with coffee dates at Cafecito, stayed hydrated with IVs from TRUEmed, and even celebrated some exciting milestones with a diving trip.

One thing you'll quickly learn about The Garcia Group is that we believe life is about more than mortgages. It's about building a business that allows us to show up for our clients, our families, and the moments that make life meaningful.

We're grateful for another month of serving our community, helping families get into homes, and creating memories along the way.

Here's to a great May and an even better summer ahead.
📧 [email protected]
📲 Alejandra: 928-388-8921
📲 Kortnee: 928-246-2132
📲 Kaitlyn: 928-261-7367

Buying a home comes with a few rules…and most of them are just “don’t make big financial moves mid-process” 😅No new debt...
05/27/2026

Buying a home comes with a few rules…and most of them are just “don’t make big financial moves mid-process” 😅

No new debt, no surprise job changes, and definitely no impulsively opening a new credit card “just because.”

Trust your lender, stick to the plan, and save the big life upgrades for after closing day.

📧 [email protected]
📲 Kortnee: 928-246-2132
📲 Alejandra: 928-388-8921
📲 Kaitlyn: 928-261-7367

For military spouses, homebuying often doesn’t happen in ideal circumstances—it happens in real ones.You might be naviga...
05/25/2026

For military spouses, homebuying often doesn’t happen in ideal circumstances—it happens in real ones.

You might be navigating a PCS, managing the move on your own, or making big decisions while your spouse is deployed.

That’s where we come in. We specialize in VA loans for military families, helping you maximize your benefits and secure the strongest possible terms—even during an already stressful transition.

Get in touch with us today to learn more:

📧 [email protected]
📲 Kortnee: 928-246-2132
📲 Alejandra: 928-388-8921
📲 Kaitlyn: 928-261-7367

It’s hard to “clock out” when your clients matter this much 🤍Even on vacation, my mind is still on timelines, mortgage r...
05/23/2026

It’s hard to “clock out” when your clients matter this much 🤍

Even on vacation, my mind is still on timelines, mortgage rates, and making sure every file is exactly where it needs to be… because in this market, the little details matter.

And honestly? I wouldn’t have it any other way.

That’s the difference when you work with a local mortgage broker vs. a big bank—you’re not just another file in a system. You’re a real person, with real goals, and we treat it that way every step of the process.

Whether I’m at my desk or on vacay with my very patient hubby… your home loan is always top of mind.

The Garcia Group Home Loans way = your best interest, always.

Trying to time the housing market is one of the biggest things that holds people back from buying a home ‼️But the truth...
05/22/2026

Trying to time the housing market is one of the biggest things that holds people back from buying a home ‼️

But the truth is—most buyers don’t win by waiting for the “perfect” moment. They win by focusing on their personal timing: their income, their savings, their credit, and whether the monthly payment actually fits their life right now.

Markets will always shift. Rates will go up and down. Prices will fluctuate. But your readiness is what really determines your outcome.

When you’re financially prepared and guided through the process, you don’t need to time the market—you just need to be ready when the right home shows up.

📧 [email protected]
📲 Kortnee: 928-246-2132
📲 Alejandra: 928-388-8921
📲 Kaitlyn: 928-261-7367

Homebuying shouldn’t feel like confusion, guesswork, or overwhelm. 🌀 It should feel like clarity—knowing exactly what yo...
05/21/2026

Homebuying shouldn’t feel like confusion, guesswork, or overwhelm. 🌀 It should feel like clarity—knowing exactly what you can afford, what your monthly payment looks like, and what steps come next before you ever make an offer.

Whether you’re buying your first home or just trying to make sense of it all, you’re in the right place. Get in touch with us today:

📧 [email protected]
📲 Kortnee: 928-246-2132
📲 Alejandra: 928-388-8921
📲 Kaitlyn: 928-261-7367

Address

220 E 16th Street Suite 1
Yuma, AZ
85364

Opening Hours

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

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