Jeremy Garcia
Austin,TX
Summary
High-performing Mortgage and Construction Lending Leader with 15+ years of mortgage experience and 25+ years in residential construction and lending. Proven track record of building, scaling, and leading high-producing teams while driving revenue growth through One-Time Close (OTC) and Two-Time Close (2X Close) construction loan platforms across FHA, VA, Conventional, and USDA products. Extensive experience financing manufactured, modular, stick-built homes, and barndominiums, with a strong focus on builder partnerships and operational efficiency. Known for developing construction lending platforms, improving processes, and delivering consistent production results. Brings a leadership mindset focused on department growth, team development, and strategic expansion within construction lending divisions.
Overview
29
29
years of professional experience
Work History
Mortgage Advisor / Area Sales Manager
New American Funding (NAF)
Austin, TX
01.2024 - Current
- Specialize in One-Time Close (OTC) construction loan programs
- Manage full loan lifecycle from prequalification through closing and modification
- Partner with builders, Realtors, and developers to expand construction lending pipeline
- Structure FHA, VA, Conventional, and USDA loan solutions for new construction projects
- Ensure accurate loan setup, disclosures, and underwriting readiness in Encompass 360
Area Manager / Production Manager
AmCap Home Loans
Austin, TX
06.2023 - 12.2024
- Originated and closed residential mortgage loans including purchase, refinance, and construction financing
- Maintained consistent monthly production while managing borrower pipeline
- Structured FHA, VA, Conventional, and USDA loan solutions based on borrower qualifications
- Built strong relationships with Realtors, builders, and title companies to generate new business
- Guided borrowers through full loan processes ensuring smooth and timely closings
- Maintained full compliance with federal and state lending regulations
Sales Manager
Thrive Mortgage
Austin, TX
07.2021 - 06.2023
- Led branch production and coached loan officers to increase volume and performance
- Maintained personal production while managing team pipeline
- Developed referral partnerships to drive consistent business growth
- Monitored market trends and adjusted sales strategies to meet production goals
- Ensured compliance with lending guidelines and regulatory standards
Area Manager
GO Mortgage
Austin, TX
12.2019 - 06.2021
- Oversaw multi-branch production and operational performance
- Mentored and trained loan officers and branch managers
- Built strategic partnerships with agents, builders, and financial professionals
- Implemented sales strategies to drive revenue growth
Operations Manager – Construction Finance Division
Gold Financial Services
San Antonio, TX
05.2017 - 11.2019
- Managed construction loan pipeline ranging from $20M–$25M+
- Specialized in One-Time Close and Two-Time Close construction loan programs
- Improved operational efficiency and reduced loan cycle times
- Coordinated funding, disbursements, and builder payments
- Trained loan officers on construction lending products company-wide
Residential Mortgage Loan Officer
Gold Financial Services
San Antonio, TX
11.2011 - 04.2017
- Originated and closed purchase and refinance loans
- Maintained strong pipeline and consistent monthly production
- Managed full loan process ensuring accuracy and timely closings
Project Manager – Build on Your Lot
Grand View Builders
San Antonio & Austin, TX
08.2011 - 05.2012
- Reviewed construction plans, specs, and budgets with clients and contractors
- Coordinated subcontractors and managed timelines for project completion
Mortgage Loan Officer
Wells Fargo
San Antonio, TX
12.2007 - 07.2011
- Originated and closed 20–25 loans per month
- Exceeded quarterly production goals by 10%+
- Managed loan process from application through closing
Area Manager / Superintendent
Choice Homes
San Antonio, TX
03.2005 - 11.2007
- Oversaw operations of a $36M organization including budgeting and staffing
- Supervised multiple locations and construction teams
- Ensured compliance with building codes and safety standards
Superintendent
Choice Homes
Grand Prairie, TX
01.1997 - 02.2005
- Managed residential construction projects from start to finish
- Coordinated subcontractors and ensured timelines and quality standards
Education
Real Estate License -
Champion School of Real Estate
01-2025
Certified Mortgage Advisor Certification -
Certified Mortgage Advisor
Austin, TX01-2020
NMLS Licensing -
Champion School of Real Estate
11-2011
Diploma -
Leon High School
05-1996
Skills
- One-Time Close (OTC) & Two-Time Close (2X Close) Construction Loans
- FHA, VA, Conventional, USDA Lending
- Encompass 360 (LOS)
- Pipeline & Production Management
- Builder & Realtor Relationship Development
- Team Leadership & Coaching
- Compliance (BSA, AML, OFAC, RESPA)
- AUS / Optimal Blue / Polly / Mortgage Coach / MBS Highway
- Business Development & Strategic Growth
Timeline
Mortgage Advisor / Area Sales Manager
New American Funding (NAF)
01.2024 - Current
Area Manager / Production Manager
AmCap Home Loans
06.2023 - 12.2024
Sales Manager
Thrive Mortgage
07.2021 - 06.2023
Area Manager
GO Mortgage
12.2019 - 06.2021
Operations Manager – Construction Finance Division
Gold Financial Services
05.2017 - 11.2019
Residential Mortgage Loan Officer
Gold Financial Services
11.2011 - 04.2017
Project Manager – Build on Your Lot
Grand View Builders
08.2011 - 05.2012
Mortgage Loan Officer
Wells Fargo
12.2007 - 07.2011
Area Manager / Superintendent
Choice Homes
03.2005 - 11.2007
Superintendent
Choice Homes
01.1997 - 02.2005
Real Estate License -
Champion School of Real Estate
Certified Mortgage Advisor Certification -
Certified Mortgage Advisor
NMLS Licensing -
Champion School of Real Estate
Diploma -
Leon High School