Cornerstones of Success

When it comes to helping individuals and families achieve successful homeownership, Academy is 1st CHOICE. For over 30 years, we have delivered exceptional mortgage service, in-house loan fulfillment, a broad portfolio of products and tools, and integrity-based mortgage banking.

Joe Garcia

Loan Officer
NMLS # 2008875
State Lic TX #2008875


5207 North McColl Road
McAllen, TX 78504

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I’m Joe Garcia, a Loan Officer for Academy Mortgage. There are several reasons why I hope you will consider me for your mortgage lending needs:
• I thoroughly enjoy helping people realize the dream of homeownership. There is nothing more fulfilling than watching the happiness of families and first-time homebuyers as they secure a new home. This desire to help people get into homes led me to this career and keeps me excited to go to work every day.

• I realize the benefits of homeownership in our community. I was born in Florida and as a teen raised in Hidalgo County. I currently reside in Mission, Texas and South Padre Island, Texas where I live with my wife. I have worked in the Maquiladora industry for most of my career and have a great understanding of the area and local culture. Bringing homeownership to my neighbors and friends solidifies our communities and revitalizes our neighborhoods.

• I know this business. I hold a Real Estate License in the state of Texas which allows me to understand the full circle of the home buying experience for our clients. With my experience and Academy’s broad array of mortgage solutions to choose from, I will make every effort to find the best loan program and pricing for your situation.

• I will be in control of your loan file from start to finish. Our Branch Office is equipped to complete the entire loan process—all loan processing, underwriting, closings, and funding are handled in our locally. As a result, we have a proven track record of closing loans as quickly and efficiently as possible, and I will be up-to-date on the status of your loan at all times.

• I will quickly, accurately, and honestly answer your questions. I understand the importance of maintaining continuous communication throughout the loan process and commit to providing you accurate, timely, and relevant mortgage advice.

• I love being affiliated with Academy Mortgage. Academy is an integrity-based mortgage banker. We do what we say we will do. Our company is also respected nationwide for our unwavering commitment to responsible lending practices. It is of utmost importance to me that I protect my borrowers and safeguard their financial wellness for many years to come.

1) These are just a few of the reasons why I invite you to contact me today to see how I can meet your mortgage lending needs. My goal is to create clients for life by delivering a second to none experience. I am actively involved with area’s local real estate associations, including the GMAR , WCR McAllen Network, TREPAC.

I am available to assist you whenever it is convenient for you. Let me show you how simple, efficient, and easy securing a mortgage can be.

Your Home Value

Find out what your current home is worth.

Home Mortgage Tools


How much will my fixed rate mortgage payment be?

This calculator computes the payments (principal and interest), based on home price, down payment, and other factors.


How much mortgage might I qualify for?

This calculator computes the finance amount, based on income, expenses, credit rating, and other factors.


How much home can I afford?

This calculator computes the most expensive house you can buy, based on the highest payment you can afford.


How much will I save by increasing my mortgage payment?

Increasing your payment will reduce the principal on your mortgage, the total amount of interest you’ll pay, and the number of payments.

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Can You Relate? Celebrate the Downsize


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