Alex Garcia
Loan Originator / Partner
NMLS #677151
With over 15 years of experience in the mortgage lending arena, Alex is a partner of Universal Mortgage. He started his career in lending as a private money lender. He also owns and manages a real estate investment company in South Florida. A graduate of University of Miami, Alex is a true part of the community. He is happily married with three beautiful children.
Mortgage Preapproval: Why It Matters and How to Get It
Jun 15, 2026
Learn how mortgage pre-approval works, why it matters, and how to get approved so you can confidently start your home search.
Can You Make an Offer on a Pending Home?
Jun 12, 2026
Can you make an offer on a pending home? Learn what pending means, why deals fall through, and how to submit a backup offer in today’s housing market.
How Adjustable-Rate Mortgages Work: A Complete Guide
Jun 10, 2026
Understand how adjustable-rate mortgages (ARMs) work, including fixed periods, rate adjustments, indexes, and smart strategies to manage changing payments.
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Whether you're buying your first home, refinancing, or upgrading, I’m here to make the mortgage process smooth and stress-free. Let’s take the next step together — fast approvals, personalized service, and expert guidance every step of the way.
