the smarter lending difference
We’re more than just a mortgage company—we’re your partner on the journey to financial prosperity.
Mortgage Smarter, Not Harder
Your partner in Financing Success
Meet Nick Garcia
Nick Garcia brings analytical precision and strategic foresight to the mortgage industry. As President and Chief Lending Strategist at Smarter Lending, he’s dedicated to making homeownership accessible for clients with complex financial profiles.
Recognized among the Top 1% of Mortgage Professionals in America and featured in the Scotsman Guide’s Top Originators list in 2021, Nick is known for his deep industry expertise.
At Smarter Lending, he helps clients navigate a wide range of loan options to find the right fit—combining professionalism with a personal touch to elevate the lending experience.
from the blog
Get expert insights, practical tips, and straightforward advice to help you navigate your mortgage journey with confidence.
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Read more.: What Do Tariffs Mean For Homeowners & Homebuyers?
How will tariffs impact mortgage rates and the housing market? If you’ve been following the news lately, you might be wondering: how exactly do tariffs affect mortgage rates and home prices? It turns out the answer isn’t as straightforward as it might seem, but there’s a lot we can learn from past studies and how the…
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Read more.: Navigating the Pros and Cons of Home Equity Loans
Depending on your situation, a HELOC could make a lot of sense. Are you considering a home equity loan but unsure if it’s the right move? Let’s break down what a home equity loan entails and explore when it makes sense—and when it doesn’t. A home equity loan is a secondary loan you take out…
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Read more.: How To Make Homeownership Easier in 2024
Nick Garcia navigates the complexities of the mortgage industry with analytical precision and strategic foresight. As President and Chief Lending Strategist at Smarter Lending, his mission is to make homeownership accessible and financially sensible for individuals with intricate financial situations. The smarter lending difference. Buying a new home or refinancing? Complete an application in just…
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the smarter lending difference
Home Financing Made Personal
We believe that true financial success begins with the right partner by your side. Based in Spokane, we specialize in providing personalized mortgage solutions designed around your goals—whether you’re purchasing your first home or expanding your investment portfolio.
We use real-time local market insights to guide your financial decisions with confidence and clarity. Our goal? To help you make smarter, more strategic choices so you can build a brighter financial future.
Let’s work together to refine your financial outlook, unlock the right investment opportunities, and turn your dreams into a lasting reality.
Real Experiences
Nick helped us and stayed in touch with us for over a year as we found our home. Very impressed with his professionalism and patience through our process of buying a home.
— Jared, Spokane WA
Nick is very thorough and great to work with. He knows his stuff and makes the whole home buying process so much easier and less stressful.
— Jeff, Spokane WA
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