Jessica Garcia - Virtualending

Dreaming of a beachfront property or a cabin in the woods? From vacation homes to rental properties, we're here to guide you every step of the way, just like we did with your first home. Let's explore your options together!

Let me save you money 💰🤑💵

The wholesale channel continues to prove that it’s the best place for a consumer to get a mortgage. A new study by Polygon Research shows that consumers save an average of $10,662 when they work with an independent mortgage broker instead of a retail lender. There isn’t a consumer in America that shouldn’t work with an independent mortgage broker, and it’s more important than ever for us to make sure consumers understand these unmatched benefits. Anyone looking to find a local mortgage broker should visit MortgageMatchup.com.

More details here: https://www.uwm.com/about-us/media-resources/press-releases/2024/august-28-2024/

Park day with Toby 🐾

Happy Monday !!

Hello ☎️📞📲👋

You have enough to worry about when going through a divorce. Call me when you're ready to discuss your mortgage options.

What are you thankful for this year? For us, it's being able to help our clients buy the home of their dreams with a loan process that's faster, easier and cheaper. Are you ready to celebrate the holidays with family this year? Give us a call and let's get started.

Before you start looking to buy a home, you should start looking for a local independent mortgage broker. Someone who's only objective is to help you choose the loan options that work for YOU. Give us a call today and find out just how simple and fast buying a home can be.

Did you know that a local independent mortgage broker can close a home 2-3 times faster than their retail competitor? It's just one of the many reasons to work with someone who puts your priorities first. Give us a call and let's get started.

Partnering with an independent mortgage broker leads to a faster, cheaper and easier loan process, including access to instant funding at the closing table. Getting you the keys to your new home sooner. Call us today to learn more!

Retail lenders' loan offerings are restricted to their own products, so they can't shop around to find you the greatest possible rate. Rest assured that when you work with me, I'll check multiple lenders to get you a low payment.

You have been dreaming of this day since you were a kid, why wait any longer? Call me today to make your childhood dreams a reality!

Have we worked together? Please review me today on Google or Facebook!

If your borrowers don't qualify for conventional financing, FHA loans may be the answer! We're now financing FHA loans for 580+ FICO and up to 97.75% LTV on single and multi-wide manufactured homes. Reach out today!

Do you want to understand how your service can translate into saving money through a low-interest VA loan? Reach out, and we'll explain the program and how you can benefit!

Buying a home is a big decision and it's different for everyone – that's why you need someone with a broad understanding of the market who has access to multiple mortgage options to fit your needs. Going with a local expert is the smart way to go – DM me.

When you find the right house, sometimes you need to act fast. Did you know that we can get you an initial approval for your loan in as little as 15 minutes? Call me today for more info!

Want to close on your first home faster and for less money? We can get you into your home in 20 days or less and get you a lower rate!

Call me today!

Introducing VirtuaLending's Ultra-Fast HELOC Loan! 🚀

The fastest, easiest, friendliest, fully-automated HELOC program in the nation.

Traditional HELOCS can be slow and cumbersome. Say goodbye to the old ways with VirtuaLending's cutting-edge HELOC loan!

✅ Keep your existing low interest rate while the current rates are high!

✅ Automated Underwriting: Powered by AI, our underwriting process is lightning fast! Get approved in minutes, not weeks.

✅ Easy Process: Our streamlined system means you can close in as little as 5 days.

✅ No Appraisal Required: That's right, no unnecessary delays!

✅ Flexible Lien Options: Whether it's a first, second, or third lien, we've got you covered!

✅ Qualify Easily: Self-employed? Use bank statement deposits. Or qualify with paystubs and pulled tax transcripts.

✅ Flexible Amounts & Terms: Borrow up to $400,000 with fixed-rate terms of 5, 10, or 30 years.

✅ The HELOC Revolution: This innovative product offers unprecedented speed and simplicity with no prepayment penalties.

Minimum credit score is 620.

Find out how much you qualify for based on your credit score, current mortgage balance, and current income.

Looking for a quick exit from your hard money loan? How about a 30-Year DSCR loan with no income docs required and a fast closing? ✅

Refinance or purchase using either your existing rental income or using comparable market rents, with rates starting as low as 7.5% (7.875% APR). 🚀

DSCR is debt service coverage ratio. This ratio measures the cash flow of a property: total rental income/ total debt service.

🏘️ Investment Properties Only
💰 Max Loan Amount up to $4M
📈 85% LTV on Purchase, 80% LTV on Rate & Term Refinances, 75% LTV on Cash Outs
🕰️ 30 and 40-Year Interest Only Options Available
🏡 Short-Term Rental Income? We say yes (AIRBNB)!
📊 Not enough rental income? No problem - no ratio options
📉 No Ratio Options at Lower Loan to Values
📈 Credit Score Minimum is 620
🏢 1-8 Units Welcomed
💸 Cash Out Amounts Up to $1.5M
🚀 6 month Prepayment Penalty Option
📝 Close in LLC—No Hassles!

Your investment, your terms.

Discover your customized DSCR options to fit any investment strategy.

Don’t give up so easy. Tomorrow is hours away.

Did you know mortgage brokers are mortgage experts? We can offer you lower rates, custom terms and exclusive products that aren't available at banks or online lenders. Talk to us today.

To buy or not to buy. That's the question facing many potential homebuyers. From building equity and your credit to not having a landlord, there are many reasons to buy. Give me a call and let's discuss how it can work for you!

If you're thinking about buying a home, start by talking to a local mortgage expert like me. I can help you save time and money with things like Appraisal Waivers that speed up the purchase process and eliminate the need for an in-home inspection. Interested? Learn more.

Refinancing doesn’t mean you have to go back to square one on your loan term. You can get a great rate, lower your monthly payment AND stay on your timeline. Ask about our Flex Term program today.

It was once believed that homebuyers needed 20% down or more to buy a house. Nowadays, down payments as low as 3% can get you into the home of your dreams – allowing you to save those extra dollars toward just about anything else. Call me to learn more!