Meet Edith Garcia: As a native El Pasoan I know the community well,
As a Texas approved Real Estate Instructor for a local academy, it is my responsibility to train and instruct real estate agents in Texas real estate law. Keeping them up to date with changes in law,
contracts and agency is important to my business. A Realtor needs to have current knowledge in our changing industry.
Serving over 20 years in the banking finance industry helped me to assist buyers in there home buying process. Assisting
my sellers in understanding how much they will profit from a sale and how much it can cost them to sell a home is valuable
information. A home buyer needs to understand how much they will spend in closing cost, prepaids and
incedentials. How much are my payments? What are closing costs? What are reserves? Buyers as
well as sellers need answers. Lets put it on paper so there are no surprises.
As a Multi Million Dollar Producer and Real Estate Broker it is my business to know all the answers concerning
selling your home or helping buyers find that special home. Sellers need to understand what there home will likely sell
for. Market value is what we can expect to realize when selling a home. Let me prepare a Comparable Market Analysis
(CMA) on your home so we know what the market will bear.
As a counselor for "First Time Home Buyers" I need to keep current on programs to assist buyers in finding
a home they can afford. Lets not push a buyer into buying a home which may be too costly for them. Many times
our eyes are bigger then our wallets. Realizing what you can reasonably afford will keep home owners in homes and away
from bankruptcy and foreclosure. Making the american dream a realty starts with being able to afford the purchase.
Credit issues or dings on a credit report can cause a home buyer to find alternate avenues in buying a home.
Buyers need to be aware of "quick fixes" gimicks. No one can fix your credit except you. Don't be fooled into
paying someone to repair credit. Credit couseling is the best way to learn what you need to do to get you back in the
game. Call me to get you started.
Selling a home "For Sale By Owner"? After the sale, a problem arises, can the seller be
held responsible for selling a home without the help of a licensed realtor? The answer is yes. Sellers need
to know Texas Real Estate law. Most sellers can be sued for not telling the buyer the truth about a problem in a home.
Sellers may even be made to buy the home back even after the sale. This is why you need to hire a Realtor. Only
a Realtor may be able to keep you away for a potential law suit.
As a Mortgage Broker I understand the lending industry well. With the current market changes and the
changing economy I need to be aware of the differant programs being offered to home buyers. Fixed, conventional, FHA,
VA, Jumbo, variable rate and adjustable rates can be very confusing for even a 2nd or third time homebuyer. Let me help
you in choosing the right mortgage for you.
