Home Loans and Mortgage Finance

If you have good credit and solid finances, may be looking for a luxury home, a large property, or something in an expensive area, a Jumbo Mortgage may be the solution. Typical lending packages aren't designed to handle the large loans required to finance these purchases, which means you'll need to get a jumbo loan.

When a loan is larger than the limits set by the Federal Housing Finance Agency, it becomes a jumbo loan. This means it can't be handled by Fannie Mae or Freddie Mac, the U.S. government's home loan entities. Jumbo loans are generally used to finance high-end real estate purchases.

Because they involve large sums of money and can't be backed by the federal government, jumbo loans have stricter lending requirements. You'll need a better-than-average credit score, among other things. Pedro R. Garcia can work with you to determine eligibility. 

Your deserve a mortgage tailored to your needs. Conventional mortgage loans offer flexibility. Whether you want a low downpayment, you want to avoid paying mortgage insurance, or you have a specific payment timeframe in mind, there's a conventional loan well-suited for you. If you have the right financial history, a conventional loan can give you the best deal for your mortgage.

Some home buyers wonder if it's necessary to work with a mortgage broker. After all, if you speak with banks or other lending agencies, they'll be more than happy to offer their products to you. The problem is simple: the majority are all trying to sell you something.

They want you to use the loan that will make them the most money, not the loan that will help you invest in your future. When you work with the right mortgage broker, you gain an advocate who can cut through sales talk and legalese to find your best options. 

When you choose Pedro R. Garcia, we'll work within your budget to determine how can you get the property and mortgage you're looking for. Combining empathetic listening with our skills and experience, we'll make sure you're the one getting a good deal. We will match or beat any other REAL OFFER (verified by the loan estimate). 

Because conventional loans aren't backed by a government agency, they tend to have higher credit score requirements. Even if you meet the bare minimum guidelines, you may be able to get a better interest rate with an FHA loan. By working with Pedro R. Garcia, you'll be able to find the most cost-effective mortgage.

When you work with Pedro R. Garcia, Financial Liberty Realty and REILLIST they take care of all of the details, so that you don't have to. Mr. Garcia earned a BSC in Economics and MBA in Finance from Santa Clara University. Pedro has worked in New York for a bulge-bracket, international Investment Bank and as a Vice President of several Silicon Valley based Commercial Banks. Pedro really believes that in business, as in life, everything boils down to relationships. He has forged strong partnerships with some of the best banks and even stronger alliances with our clients over the last 20 years in business.

Financial Liberty Realty can help you with residential mortgages like FHA, VA, Conforming / Conventional, purchase and refinance solutions. REILLIST is a licensed commercial loan broker, specializing in commercial real estate mortgages financed by reputable banks and the SBA.