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Pamela Garcia

Author Archive

Pamela Garcia

Pamela is a driving force towards Vaster's initiative to give our client's more loan options. Please read more about Pamela and her experience in the mortgage industry.

What Credit Score Is Needed To Buy a House?

What Credit Score Is Needed To Buy a House?

If you’re looking to purchase residential property, it’s crucial to know what credit score is needed to buy a house. There’s no need to become unnecessarily stressed; lenders...

  • Home buying
Should I Lock My Mortgage Rate Today?

Should I Lock My Mortgage Rate Today?

This article was originally published in 2022. Interest rates, market conditions, and lending guidelines have changed significantly since publication. The information below is...

  • Home buying
  • Mortgage industry
Mortgage Prequalification vs. Preapproval

Mortgage Prequalification vs. Preapproval

Navigating the home buying process and all its different terms can be confusing. Two terms that you may have heard before are “prequalification” and “preapproval”. A gold standard...

  • Home buying
  • Mortgage industry
Young woman in her kitchen using her laptop and tablet to do online research

How much down payment do you need to buy a home

Down payments are seen as a barrier to homeownership by many. However, this concept is often misunderstood. Contrary to popular belief, you may not need to use your entire savings...

  • Home buying
Young woman sitting in her living room with her laptop and a calculator working out her finances

Tips for buying a house with bad credit

Many people with bad credit assume that homeownership isn’t an option. However, you’re not destined to rent for the rest of your life. Buying a house with bad credit is possible...

  • Home buying
Mortgage Broker vs. Bank: Which Is Best?

Mortgage Broker vs. Bank: Which Is Best?

The first steps to securing a mortgage are often the most difficult. Many people don’t even know where to start. If you fall into this category, you’re in the right place! Today,...

  • Mortgage industry
What is a mortgage: Overview and FAQs

What is a mortgage: Overview and FAQs

Mortgages are one of those concepts that you hear about all the time, yet you still don’t have a complete understanding of what they are or how to get one. The good news is that...

  • Mortgage industry

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