Andy Garcia
Mortgage Loan Officer | NMLS # 851891
TowneBank Mortgage. NMLS 512138. Equal Housing Lender.
TowneBank Mortgage is your hometown mortgage company. As a division of TowneBank, we uphold the principles and philosophies that have been established by our hometown traditions. Towne... Show More
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Extraordinary Person
Reply from Andy Garcia
September 14th, 2026 05:33 PM
Your kind words truly mean a lot to me! I’m always happy to provide guidance on mortgage-related matters whether it’s for refinancing or future planning.
You walked us trough all process and make it very easy for us to collect all paperwork that we needed, thank you very much
Reply from Andy Garcia
September 8th, 2026 05:09 PM
I’m thrilled you had a great experience working with me. Whether it’s a VA loan, FHA loan, refinance, or a new home purchase, I’m always here to help you move forward.
Andy and his team stepped in after my original lender denied my mortgage at the last minute. They quickly secured my approval, including $15,000 in NCHFA down payment assistance, and got everything closed in just 12 days. Their professionalism,...
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Reply from Andy Garcia
September 7th, 2026 03:09 PM
I appreciate you taking the time to leave this review. It was a pleasure working with you, and I’m always available if you need help with a VA loan, FHA loan or conventional loan!
The process was executed with remarkable efficiency and expediency. He maintained a comprehensive oversight of all aspects, ensuring that our scheduled deadline was met promptly.
Reply from Owner
September 8th, 2026 07:22 PM
Thank you for the great feedback. It’s always my goal to make the process as smooth and stress-free as possible. I’m here anytime for your FHA, VA, or conventional loan needs.
The process was executed with remarkable efficiency and expediency. He maintained a comprehensive oversight of all aspects, ensuring that our scheduled deadline was met promptly.
Reply from Andy Garcia
September 7th, 2026 01:25 PM
Thank you for sharing your positive experience with me! It was great working with you. I look forward to helping again with any future home loan or refinance needs.
Andy was really helpful during this process. I am a first homebuyer and he explained everything to me in a way that I could understand and he answered all the questions I had . I would definitely recommend to other people!!
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Reply from Andy Garcia
September 7th, 2026 04:59 PM
Thank you for the great feedback. It’s always my goal to make the process as smooth and stress-free as possible. I’m here anytime for your FHA, VA, or conventional loan needs.
(Translated by Google) Excellent service, fast, patient and friendly, 100% recommended
(Original)
Excelente servicio, rapido, paciente y amable, 100% recomendado
Reply from Owner
August 24th, 2026 08:43 PM
I’m grateful for your positive words. I’m glad I could be a resource for you throughout the loan process. I’m here anytime to provide guidance on home loans, refinancing, or navigating interest rates.
Excelwnte servicio, eficaz, muy amable y paciente!
Reply from Andy Garcia
August 21st, 2026 08:50 PM
Your review is greatly appreciated. I’m excited to continue being your trusted lender for VA home loans, FHA loans, conventional loans and other mortgage solutions. I look forward to helping you again whenever you’re ready.
(Translated by Google) I highly recommend working with Andy. He is fluent in both English and Spanish and guided me through the entire process with professionalism and empathy. While others told me I couldn't even begin, he told me I could...
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Reply from Owner
August 19th, 2026 07:20 PM
I’m so glad I was able to exceed your expectations; that’s always my goal. Matching clients with the right loan option and competitive rates is something I truly enjoy.
recomiendo mucho trabajar con andy, maneja el inlges y el español y me guio durante todo mi proceso siempre con profesionalismo y empatia, cuando otras personas me dijeron que no podia iniciar el por el contrario me dijo que si y me guio para...
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Reply from Andy Garcia
August 18th, 2026 04:45 PM
I am grateful for your positive feedback. It means a lot to know you had a great experience. Helping clients navigate the mortgage process and find the right fit whether it’s a VA loan, FHA loan or conventional mortgage is what I’m passionate...
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About
TowneBank Mortgage. NMLS 512138. Equal Housing Lender.
TowneBank Mortgage is your hometown mortgage company. As a division of TowneBank, we uphold the principles and philosophies that have been established by our hometown traditions. TowneBank Mortgage is dedicated to providing the personal experience that you expect from a hometown lender with the most advanced technology available to offer affordable loans, quick processing and exceptional service.
Being a hometown lender means fast approval and a team of mortgage professionals who are committed to you. TowneBank Mortgage mortgage loan officers live in your communities and know the area.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Specialities
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Adjustable-Rate Mortgages (ARMs)
Fixed-Rate Mortgages
Reverse Mortgages
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Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS 851891
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