"Because obtaining financing for your home shouldn't be difficult!"
Martin is a mortgage lending professional with a 22-year record of high performace as an executive. He has division level experience directing national underwriting operations of up to 250 million dollars in loans. He is a skilled director with focus on building and sustaining business relationships, as well as an expert in building teams which consistently exceed established goals. Martin is proficient in creating succession strategies and developing personnel. He has demonstrated significant ability in preventing and resolving difficult customer service requests.
After losing his best friend Frank Garfi in the World Trade Center collapse in 2001, he moved to South Florida and became employed in the mortgage industry as a loan officer. Upon witnessing the energy in this exciting field he wanted to learn everything he could about the mortgage business. He went from retail to wholesale and obtained his mortgage broker license, as well as his correspondent lender license in 2004. When the mortgage industry collapsed in 2008, he was hired by USAA Federal Savings Bank and underwrote mortgages for 12 years.
On February 2, 2020 right before the pandemic, Martin was involved in a devastating motorcycle accident and spent one year recuperating. He encountered Our Creator in a new and very genuine way. The name High Ridge Lending is representative of his faith. The term High Ridge is from Psalm 18:2 "The Lord is my high ridge, my stronghold, my deliverer. My God is my rocky summit where I take shelter, my shield, the horn that saves me, and my refuge."
Frank is a seasoned mortgage lender with over 25 years of experience in the industry. He has a comprehensive background in mortgage loan underwriting, processing, and origination, specializing in a wide range of loans including conventional conforming, conventional jumbo, VA, VA Interest Rate Reduction Refinance (IRRRL), VA Jumbo, FHA and new construction loans. Frank has a rich background in mortgage lending, having worked at USAA Federal Savings Bank and KB Home Mortgage Company prior to his current role.
With a career spanning more than two decades, Frank possesses deep expertise in evaluating loan applications, ensuring compliance with regulatory requirements, and guiding clients through the mortgage process from application to closing. Throughout his career, Frank has facilitated numerous successful mortgage transactions, helping clients achieve their homeownership goals. His dedication to excellence and commitment to customer satisfaction have established him as a trusted advisor in the mortgage lending community. Frank is bilingual and fluent in both English and Spanish, enabling him to effectively serve a diverse clientele.
Frank holds a Bachelor of Arts degree in Criminal Justice with an emphasis in legal studies from The University of Texas at San Antonio. This educational background has equipped him with a strong analytical mindset and attention to detail, which are critical in the mortgage lending process.
Outside of work, Frank enjoys traveling to explore new cultures and destinations. Frank is also an avid golfer and spends his leisure time honing his skills on the golf course.
francisco.garcia@highridgelending.com (hablo español)
210-257-8278 x102
State Licenses TX NMLS #2570477
With over 14 years in the financial sector, Javier Beltran stands out not just as a seasoned mortgage underwriter and financial specialist but also as a proud Air Force veteran. Based in San Antonio, Texas, Javier blends his rich experience in the financial world with his military background to provide specialized guidance, especially for VA loans - an area where his expertise truly shines. Serving renowned institutions like USAA, Wells Fargo, Bank of America, and Citibank, Javier consistently puts the needs of his clients at the forefront.
Whether it's a first-time homebuyer or a fellow veteran seeking a VA loan, he ensures a seamless, transparent, and personalized experience. Recognized as the top-performing underwriter at USAA for five years, Javier's approach is rooted in trust, commitment, and expert knowledge. He's passionate about guiding individuals, particularly the military community, through their financial journeys. Connect with Javier to discover the unique blend of financial expertise and dedicated service he brings to every client relationship.
(Se habla español)
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