Joe Garcia
Residential Mortgage Loan Originator | NMLS #2153023
Way. Better. Mortgage.TM
Joe's Bio
Originally from Las Cruces, NM, and currently based in El Paso, TX, Joe Garcia brings over 20 years of experience in the mortgage and real estate industry. His true passion lies in helping families achieve the American Dream of homeownership, one client at a time. His career in the mortgage industry spans two decades, during which he has gained invaluable insights and expertise. Joe’s business philosophy revolves around personalized service and genuine care for each borrower. He believes in taking the time to listen to the unique needs of every client, ensuring that each loan is tailored specifically to their circumstances. Outside of work, Joe enjoys golfing, swimming, and cherishes time spent raising his daughter. These activities complement his dedication to work-life balance and family values.
About WBM
Putting our mortgage services to work for you
We offer the best mortgage tools available on the Internet – easy, convenient online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.
We’re a full service mortgage banker with an experienced staff offering expertise in every area of mortgage lending – from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan – with the best rates, terms and costs – to meet your unique needs. But that’s just the beginning of our service. Throughout the lending process, we provide regular loan updates and progress reports so you always know the status of your loan.
Home Mortgage Calculator
Use this mortgage calculator to determine your monthly payment. Quickly see how much interest you could pay and your estimated principal balances. Enter prepayment amounts to calculate their impact on your mortgage.
Home Refinance Calculator
How long will it take to break even on a mortgage refinance? Use the mortgage refinance calculator to sort through a multitude of factors including your current interest rate, the new potential rate, closing costs and how long you plan to stay in your home. This calculator helps sort through the confusion and determine if refinancing your mortgage is a sound financial decision.
Home Refinance Calculator
Ready to Get Started?
Getting started is easy, whether you'd like to get pre-qualified or are ready to start an application. APPLY NOW through our WBM ApplicationTM or contact us to talk with one of our friendly mortgage experts. We're here to help and answer all of your questions.
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