Fernando Garces - Real Estate

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Fernando Garces is a member of the HSBC Mortgage Direct team and originates anywhere within the U.S., except in Alaska and West Virginia. He is bilingual in English and Spanish. Fernando specializes in working with first-time homebuyers on purchase and refinance transactions with down payment assistance programs. He’s a graduate of the Fannie Mae Foundation to expand homeownership rates in the United States and promote diversity. Fernando has a Bachelor’s Degree in Economics and Master’s ...

Rosemarie has over 30 years of experience the mortgage and real estate business. This industry has been her life for decades because she is passionate about helping people accomplish the dream of homeownership and make smart decisions for their future. At the beginning of her career, Rosemarie focused on First Time Homebuyers, helping buyers to get special programs providing resources for down payment assistance from state and county. Rosemarie is particularly involved in the Senior community...

I've been in the real estate and mortgage industry for 18 years and sincerely enjoy helping my clients. Aside from spending time with my wonderful husband and family, nothing is more exciting, energizing, and fulfilling than a job well done. I'm very experienced in residential real estate transactions and all types of home buyers. I'm very comfortable with first time home buyers, down payment assistance, VA, FHA, USDA, and condos. Please contact me any time

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Born in Miami, Florida, 1955, I grew up on the water. I graduated from Florida State University, 1980, where I studied music, theater, creative writing and real estate. During my professional career, I worked for insurance companies and major banks specializing in investments, tax planning, estate planning, trust planning and mortgages. I have a vast knowledge of how most financial markets work which allows me to help my clients with their real estate needs. One of my passions in life has be...

First and foremost, I am a native Floridian and have lived in the Tampa Bay area my entire life - I know it inside and out! I absolutely love my career and helping people with their homes. I work the Pinellas, Pasco, & Hillsborough areas primarily and also have experience with various Down Payment Assistance Programs and First Time Homebuyer programs in each county. I am also a volunteer at a local animal shelter and absolutely love dogs!

In 2010, one of our co-founders, Steve Better, was a Consumer Loan Underwriter for Wells Fargo. He was tasked with reviewing applications for loan modification. These were applications by people who were trying to stay in their homes. As he reviewed the applications, he saw the mistakes over and over again. Consumers consistently overstated their credit scores and income, and underwriters approved those loans based on incorrect information. As Steven continued in his career as an underw...