Ludby Garcia

Gracias! Recibimos un trato excepcional que hizo que nuestra experiencia fuera realmente memorable. Ludby Garcia fue muy amable y atento, lo que nos hizo sentir confiables en todo el proceso y eso marcó la diferencia.” Gracias nuevamente.

I had a great experience working with Ludby Garcia during the financing of my new home. He was knowledgeable, professional, and committed to helping me qualify and successfully complete the loan process. Ludby did an excellent job analyzing my financial situation, answering my questions, coordinating with underwriting, and finding solutions whenever challenges came up. His persistence, attention to detail, and ability to resolve issues under time pressure were extremely valuable throughout the process. He worked diligently to make sure everything was completed correctly and on time, allowing me to close on my home and receive the keys as scheduled. I truly appreciate his dedication, responsiveness, and commitment to helping his clients. Thank you, Ludby, for your hard work and for helping make this important milestone possible. I highly recommend Ludby Garcia to anyone looking for a knowledgeable and dedicated loan professional.

Financing our home purchase turned into an intense, multi-stage transaction, and looking back at the entire process, Ludby proved to be an exceptionally capable problem-solver whose technical mastery and determination truly saved the deal. To provide constructive feedback for professional growth and to make future transactions smoother from day one, there were three initial hurdles where upfront review and guidance could have prevented unnecessary stress: 1. Early in the qualification stage, we initially pursued an FHA loan where the rule prohibiting an applicant from having two active FHA loans was overlooked, despite having shared our background from the start. 2. Later, when structuring through Angel Oak near the closing stage, it was realized late in the process that statutory fee threshold limits prevented the program from moving forward. 3. Finally, there was confusion regarding title and deed guidelines when applying with two borrowers versus qualifying as a sole borrower. What truly deserves the highest praise, however, is how Ludby handled these setbacks. While many loan officers might have given up or let the transaction fall through, Ludby demonstrated extraordinary resilience, adaptability, and high-level financial expertise. He immediately took complete ownership of the file, pivoted without hesitation, and engineered a viable solution by restructuring the entire loan under Acra to qualify me as a sole borrower with 20% down. His ability to accurately calculate complex income structures, coordinate with underwriting under tight deadlines, and navigate strict closing conditions, such as validating the proceeds from our previous property sale,was simply outstanding. He worked tirelessly to turn around a challenging situation in record time, ensuring that all lender conditions were met and that we crossed the finish line to receive the keys to our home. Ludby showed that when unexpected obstacles arise, he has the skill, persistence, and commitment needed to deliver real results. We are genuinely grateful for his dedication, his hard work under pressure, and his exceptional ability to get complex deals closed.

He did a great job Thank you

Ludby was a true professional, loved his communication style and he showed that he cared for my client. Thank you

Ludby is the best lender!!! Goes above and beyond in customer satisfaction