About Phil Garcia

Phil Garcia’s clients are neighbors, partners, and companions on the way home. When you need clear answers, straightforward advice, and a mortgage that’s affordable today and into your future, Phil is here for you. Phil can explain your options simply and clearly and help you to get competitive rates and terms.

You’ll find Phil Garcia at the Irving Branch located in Irving, TX. With Planet Home Lending you are more than a transaction. Feel free to call Phil with any questions at (940) 464-5771. Phil proudly serves borrowers across the credit spectrum. Planet Home Lending can offer:

• Home loans for First-Time Homebuyers
• Move-up Homebuyer loans
• Real estate investors with multiple properties
• Zero down payment home loans
• Mixed-use property mortgages
• Low down payment mortgages
• FHA home loans
• VA home loans
• Conventional mortgages
• Jumbo home loans
• USDA rural housing loans
• Cash-out refinances
• Refinances to pay off sooner or lower your monthly payment
• Bank statement loans for business owners
• Renovation loans
• Purchase EDGE
• Purchase EDGE Guarantee
• 1st Year Flex
• Home 2 Refi

Phil Garcia and the team at Planet Home Lending look forward to getting you home!