Emi Funding | Home Loans by LoanPeople
Mobile: 915.777.4071
NMLS: 1719153
Email: Hector.Garcia@EmiFunding.com
State Licenses: TX
Hector is available to assist you:
- Five-star service,
- Great rates and fast closings,
- Solutions for home purchase, refinance, and renovation!
Thank you for the opportunity to earn your business.
About
With years of experience helping families achieve the dream of homeownership, Hector Garcia is a trusted mortgage professional serving the El Paso, TX community and beyond. Hector combines industry expertise with a dedication to exceptional service, guiding clients through every step of the lending process.
Known for his integrity, clear communication, and commitment to finding the right solutions for each borrower, Hector works hard to make the mortgage process as smooth and stress-free as possible. Whether you’re buying your first home, upgrading to your next, or refinancing, Hector’s goal is to help you feel confident and informed from application to closing.
Mortgage Lender Reviews
I cannot praise Mr. Garcia enough for hi...
Aug. 29, 2021 by Adrian L.
El Paso, TX
Hector is by far the most knowledgeable, professional and honest Loan officer I've meet, Thank you again Mr. Garcia.
Mr Hector really helped make my process ...
Aug. 14, 2021 by Julio A.
Texas
We got to talking about golf and hopefully go to the course and tee off soon.
Mr Garcia was always available during my...
Sep. 17, 2022 by Alex G.
El Paso, TX
I really recommend him and his professionalism on your next home or refinance.
Home Loan Programs
Purchase
LoanPeople offers fast closings for purchase loans with constant communication to all parties throughout the loan process. We are grateful to serve you.
Refinance
Reasons to refinance: reduce rate and/or loan term, remove mtg. insurance (PMI), receive cash back for debt consolidation and home renovation.
FHA & USDA
LoanPeople offers incredible rates for government loan options including: FHA, USDA, and VA. Fast closings for purchase and refinance home loans.
Conventional
Conventional loans are the most common loan type in the U.S., offering low rates and fast closings for purchase and refinance home loans.
Condos
In-house condo underwriting streamlines the loan process for condos new, old, and everything in-between.
Non-Warrantable
Loan options for non-warrantable condominiums with a smooth process for customers, agents, and developers.
VA
VA loans offer 100% financing for veterans, servicemembers, and surviving spouses, with sufficient entitlement.
Investor
LoanPeople offers investment property loans for borrowers with more than 20 financed loans. Purchase and refinance.
Jumbo
LoanPeople offers a wide array of jumbo products for purchase and refinance loans with higher home loan amounts.
Jumbo Investment
LoanPeople offers jumbo products, including for investment properties. Great rates, on-time closings.
Asset Qualifier
Loan products for customers using assets toward qualifying income calculation. Purchase and refinance loans.
Close in LLC
LoanPeople offers financing options for closing in an LLC. More products, more solutions, close on time. Purchase and refinance.
Non-QM
Non-QM loan products available for out-of-the-box financial situations. Purchase and refinance loans.
DSCR
Debt-Service Coverage Ratio (DSCR) products use rental income for loan qualification. Purchase and refinance.
HELOAN
Home Equity Loan (HELOAN) taps equity in property to offer customers a fixed, upfront lump sum of money.
2nd Liens
Wide range of options for transactions in need of a second loan balance.
Bank Statement
Loan products for transactions using bank statements to fulfill documentation requirements.
ITIN & Foreign National
Loan products for borrower(s) with ITIN and foreign national residencies.
Renovation
Home loan products for Conventional, FHA, VA and more reno solutions.