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BNI Utah North
3574 South 500 West 
Salt Lake City, UT 84115

T: (801) 449-1264

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This site managed by:
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Eddie Garcia

Phone 435-657-0154
Mobile Number 801-541-0889
Fax 888-477-2259

Mr. Eddie Garcia
Xcel Financial
By Appointment
Heber City, UT 84032

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Eddie Garcia

Xcel Financial

Director Consultant

My BusinessMy mission is to assist individuals and families in achieving financial independence through home ownership. As an Independent Mortgage Professional, my goal is to provide our customers “eXcellence” in service by providing them with updated market information and a variety of lending programs to meet their individual and family home loan needs. I pride myself in navigating my clients through the sea of home financing and making the process as hassle free as possible for them. Education is a big key in understanding the process, and as an educator, my clients learn how to create wealth through homeownership.

Ideal ReferralIndividual or Family that owns their current home and is looking to 'move up' into their dream home.

Top ProductElite Conventional loans with 20% equity in the home and 740 or better customer credit score.

Top Problem SolvedFinanced difficult 2nd home purchase loan for an out of state client. After client was denied due to complex credit, tax, and asset issues, Xcel approved, closed, and funded loan assisting client in achieving his family's dream of homeownership in Park City.

My Favorite BNI StoryA business owner who left BNI due to how much business was received, learned the importance of how BNI was there to help owners learn how to work on their buseinss, not only in their business and re-joined with better value and insight on the BNI program.

My Ideal Referral PartnerReal Estate Agent who is working with buyers and sellers of residential homes in the Utah Market