Osmany Garcia

t depends on the loan type, but typically I start with the basics: photo ID, recent pay stubs or income statements, last two years of W-2s or tax returns, two months of bank statements.

That’s actually the best time to start. The earlier we talk, the more I can help clients prepare—whether it’s improving credit, building savings, or finding the right loan program.

work closely with trusted Florida real estate agents, insurance specialists, and title companies who share my commitment to great service. I can also connect clients with local home inspectors, etc.

Clients can expect clear communication, honest guidance, and a smooth process from start to finish. I make financing simple, keep you informed every step, and ensure a stress-free closing experience.