Loan Officer Profile
About MeJavier Garcia is an experienced and highly trusted Residential Banker who continues to strengthen and perfect the partnership between the home buyer and their financial security for years to come. Based on his track record of highly accurate home loan executions and performing mortgages, Javier can provide his buyers and homeowners with the best rates in the market along with unlimited loan options. Home Buyers can apply for their home loan and receive a mortgage commitment before they begin their home search to be assured of an expedited transaction and ensuring a Perfect Mortgage Experience.
- Illinois and nationally
Recently Answered Questions
Depending on your equity positioning you might be eligible for a 1st and 2nd loan option so you can capitalize on a good rate on the bulk of your mortgage debt. In most cases LPMI is tough because you are paying the LPMI premium thru the rate which can result in a half a point to 3/4 of a point higher interest for the full amortization of your new loan. I would recommend to lower your term if you can to a 15 year term with Monthly MI that would be eliminated faster due to the rapid amortization schedule bring your balance below 80% faster due to the higher principal balance paid in a 15 year term.
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