Erika Garcia Loan Officer

Erika Garcia Loan Officer Mortage Loan Originator | NMLS #2489300 | Integrity Home Mortgage Corporation One of Erika's key strengths lies in her strong numeracy skills.

Erika Garcia is a seasoned professional with over 12 years of experience in the financial services and insurance industry. With a solid educational foundation, Erika graduated from the University of Arizona, where she honed her skills and acquired a Bachelor's degree in Liberal Arts with a business focused field of study. Throughout her career, Erika has demonstrated exceptional communication skil

ls, effectively articulating complex financial concepts to clients and colleagues alike. Her ability to connect with people on a personal level has been instrumental in building strong relationships and fostering trust within her professional network. With a keen eye for detail and a deep understanding of financial analysis, she has consistently delivered accurate and insightful reports, enabling informed decision-making by clients and senior management. Beyond her professional achievements, Erika is a curious individual with a passion for continuous learning. She is known for her proactive approach to personal and professional development, always seeking new knowledge and staying up-to-date with industry trends. When Erika is not immersed in the world of finance, she enjoys pursuing various interests and hobbies. These include reading books on diverse subjects, exploring different cultures through travel, and participating in outdoor activities that allow her to stay active and maintain a balanced lifestyle. Driven by a desire to make a positive impact, Erika remains dedicated to delivering exceptional service and providing valuable financial advice to clients. Her commitment to excellence, combined with her extensive experience and strong skill set, makes her a valuable asset in the financial services industry.

12/18/2023

2/1 Buydowns..4% interest rates are NOT just happening through builders. Reach out to me today and see how you can access the same benefits of lower interest for any property on the market.

07/24/2023

For anyone wanting clarity on investment loan options:
CASH IS KING
CASHOUT DSCR > HELOC
FIX N FLIP > HARD MONEY
5% DOWN PAYMENT CONVENTIONAL > DSCR
BANK STATEMENT > DSCR
DSCR for new purchases when looking to expand quickly
HARD MONEY when all else fails

07/06/2023

Just sold my first house. Gained some experience & did my first loan assumption!
Buyers got a steal assuming my 2.875% interest rate and I got 70k cash difference on the equity not bad at exactly the 2 year mark 😎

09/29/2020

PRO TIP: If you are doing any kind of work independently & making money for it- aka my lash ladies, general contractors, movers, etc. - you need general liability.

Like any other small business owner, independent contractors can be sued and held liable for damages.

Common Myths:
1.Commercial insurance is expensive- it is not!
2.You only need insurance if you have a psychical location- you do not need to wait until you have a location!
3.My friends/clients/customers wont sue me- wrong, happens all the time. Especially when it is free for them to sue you.

08/24/2020

PRO TIP: Don’t buy your insurance online.

The little paragraph that give you definitions of what the coverage means are not enough. You’re missing out on KEY FACTORS. Like specifics about your situation. What policy form you’re purchasing. Also, what essential coverages you’re passing up. Tweaks to save & other potential discounts.

08/18/2020

PRO TIP: STOP Driving around with state minimums, 30/60/25.

Here is what is at risk:
Cash
Checking/Savings Accounts
Stocks/Bonds
401K
Pension plans
Garnish wages up to 25%
Properties that are not your home stead
Auction off your property
Auction off your vehicles

Message me for advice on your particular situation.

08/12/2020

PRO TIP: Buying Life Insurance is one of the fastest ways to build wealth.

Example: you purchase 500k life policy (permanent) it’s deemed an asset so your net worth just got raised to 500k.

Address

1718 Dry Creek Way, Suite # 108B
San Antonio, TX
78259

Opening Hours

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

Telephone

+15125951327

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