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Matt Garcia, (NMLS ID 442662)

Matt Garcia

Sr Loan Advisor

NMLS ID: 442662

I’m a mortgage expert with significant experience and in-depth industry knowledge.

Apply Now Contact me

6745 Academy Road NE Suite B

Albuquerque, NM 87109

About Matt Garcia

Whether you are buying, building, or refinancing a home, it's one of the most important financial decisions you will make. I'm here to provide you with guidance along the way.  

 

As your home loan advisor, my goal is to provide you with options so you make an informed decision. I am here to listen to your story and understand your financial goals to customize a mortgage solution for your unique needs.  

 

I am committed to being your guide along this journey by providing you with information to help assist in accomplishing your homeownership goals.  

Mortgage Specialization

  • Adjustable-Rate Mortgages
  • Construction Loans
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Pre-Qualifications
  • Professional Loans
  • Renovation Loans

Education

  • Bachelor of Arts- Business Administration Finance- New Mexico Highlands University 2004

Languages Spoken

  • English
  • Spanish

Why Flagstar

Why choose Flagstar? Because we’re powered by our Human Interest Rate – the interest in our customers that powers mortgage solutions built around their unique needs.
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Are you looking to purchase a new property or refinance an existing one?

Financial Calculators

If you're looking to buy a new home, we're here to help you plan ahead and see how much your mortgage may cost. Figuring out monthly mortgage payments is an important part of financing your home, sweet home. Enter the potential cost of your property and loan information into our mortgage payment calculator to see the breakdown of your estimated monthly payments and overall expected loan payoff schedule.

Monthly Mortgage Payment Calculator
Matt Garcia, (NMLS ID 442662)

Matt Garcia

Sr Loan Advisor

NMLS ID: 442662

I’m a mortgage expert with significant experience and in-depth industry knowledge.

Apply Now Contact me

6745 Academy Road NE Suite B

Albuquerque, NM 87109

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Today's Rate

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1Rate as of 1/21/2022 10:19 AM EST. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 360 monthly payments in the amount of $1,095. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

2Rate as of 1/21/2022 10:19 AM EST. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $1,634. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

3Rate as of  1/21/2022 10:19 AM EST. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 8,400% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of 1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $1,027. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums and other credit factors. Program terms available may vary based on the state and county in which the financed property is located.  The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

Matt Garcia, (NMLS ID 442662)

Matt Garcia

Sr Loan Advisor

NMLS ID: 442662