Thank You for Your Business, Trust and Confidence Honesty,  Integrity,  Excellence,  Experience  Get a Free Consultation,  No Pressure,  No Hassle,  No Obligation. 

We’re here for you. It's about helping families achieve their goals. I understand that every client is different. We provide personalized high quality service. Our purpose is to provide you with the best products available to you and your family. We Stand Out From Competitors. Hablamos Español

Hi let me introduce myself to you.

My name is Miguel Garcia, I’ve been in mortgage financing for over 25 years helping people achieve the American dream of home ownership.

I’m dedicated to providing the best mortgage experience to my borrowers.

In my 25 years of experience, I have built a strong reputation as an outstanding mortgage lender and pledge to humbly continue earning your trust one transaction at a time with Commitment, Integrity, and Transparency.

I’m a full-service mortgage broker offering expertise in every area of mortgage lending from purchase to refinance to reverse mortgages to jumbo loans.

I offer a full range of mortgage programs and I’m dedicated to finding the right loan-with the best rates, terms and costs-to meet your unique needs.

I provide regular loan updates and progress reports so you always know the status of your loan.

You do not only have access to the best loans available in the marketplace, but you can also review loan alternatives, and even apply for your loan, at your convenience, online – 24 hours a day.

After a few years, Miguel moved to Florida, where he now lives and serves as president of Florida Homes & Mortgage in Miami.

“I learned from scratch, basically, what it took to make a good loan,” he says. “I processed. I was an operations manager. I was a closer. I was an underwriter.”

In 2006, Miguel opened a retail branch for Florida Homes & Mortgage in Miami, and all the experience and knowledge he’d gained over the years finally came together seamlessly. he says he’s never closed less than $60 million per year in loans ever since.

“People are scared of … (USDA loans) because they don’t know about them,” he says. “My goal and my passion are to help first-time homebuyers, and you do that with conventional 3 percent down, "Federal Housing Administration" FHA 3.5 percent down, and USDA zero-percent down "loans". And of course, the best program is USDA.”

“I give them their options,” he says. “All I do is educate them on the facts "and say": ‘This is the difference between an FHA loan, a USDA loan if you qualify, and a conventional loan.

Let’s compare the three, decide on your rate, your PMI "private mortgage insurance", and you decide which one’s going to be best for you down the road.’”

Helping first-time homebuyers is what keeps Miguel in the mortgage origination business, he says, noting that when he’s out in public, he often runs into past clients who thank her for helping them purchase their home.

“It’s super exciting,” Miguel says, adding that working with first-time borrowers is, “more of a challenge, but it’s also much more gratifying.”

“I was here through the market crash, and there’s so many in my field who didn’t make it,” he says. “You have to really love what you do, care about it, and grow it as a business, but also love it.”

Your first home is the biggest investment of your life, and we’re passionate about educating you.

We offer loan products for every need, including:

• 3% Down Conventional Loans.

• 3.5% Down FHA Loan.

• 0% Down VA or USDA Loan.

• 1st and 2nd Mortgage Combination.

• Jumbo Condo Beach Loans

• Various Mortgage Insurance Options.

• Commercial Loans.

• 10% Down Jumbo Financing.

• Family Gift Fund Programs.

I'm Passionate, I love for what I do, that sets me apart from other loan officers from average to excellent mortgage broker for many years.

Positive energy and attentiveness to customer needs, passion from a loan officer shines for improving your credit before shopping for a mortgage!

I don’t put any pressure on my clients. Deciding on what type of loan you would like to receive is a big decision.

Miguel joined the mortgage industry in 1997 has personally helped thousands of homeowners purchase and refinance their homes with Low Rates, Five-Star Service and Advice You Can Trust.

HI simplify the lending process to make you feel comfortable and at ease — even if you’re a first-time homebuyer. I understand the importance of communicating every step of the way, and I put myself in your shoes to make the process pleasant and efficient.

He also gets satisfaction helping homeowners refinance to save money for their family’s needs.He sets himself apart by building trust early-on with clients and Real Estate Agents. He has their best interest at heart, and he makes that very clear.

Welcome We offer a unique lending experience 25+ years’ experience in the mortgage industry, Are you considering buying or refinancing your home? If so, then you are in the right place! Easy process. Quick approvals. Exceptional service.

We will provide the highest level of expertise to quickly guide you through the entire process of finding the best mortgage loan.

Our goal is to help families like yours save money on your mortgage. Refinance your mortgage for a lower rate, access cash or lock in a low rate, We work with thousands of the nation's top banks, credit unions.

We will make your life easier Whether buying or refinancing, our customers save thousands over the life of their loan. We work for your best interest.

The home mortgage business is, and always has been, a "people" business. We have the right people to assist you in making the best possible decisions in the most important purchase of your life – your home!

We’ve helped thousands of clients choose the very best home finance option. We want you to come back to me for an exceptional home financing experience.

Easy process. Quick approvals. Exceptional service, our goal is to give you an extraordinary experience from start to finish:

Fast, easy and hassle-free process — to get you to the closing table as quickly as possible. Intuitive application and loan portal — to make it a breeze to share with us what we need to know.

1. Low Rates Offering industry low mortgage rates is a top priority for my team. How do we do it? Simple; our entire process is streamlined.

2. Fast Closings Some banks and direct lenders can take one to two months too close a loan. How does two to three weeks sound?

3. Personal Service I will work directly with you from application to closing. No processors, and no assistants. This helps with efficiency.

4. Experience With over 15 years of experience as a Loan Officer and millions of dollars of closed loans - experience matters.

5. Knowledge Refinance or Purchase, Conventional or FHA; having someone on your side that knows the ins and outs is key.

6. CommitmentI'm 100% committed to making sure your next refinance or purchase mortgage transaction is exceptional.
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