Eddie Garcia

Independent Real Estate Consultant & Lending Mngr.

Real Estate Essentials

9980 S 300 W Suite 300 Sandy, UT 84070

5.0

Independent Real Estate Consultant & Lending Mgr

I am an Independent Real Estate Consultant and the Founder of Xcel Financial, dedicated to guiding individuals and businesses through informed property investment decisions. With a career spanning over three decades in the Utah market, I specialize in comprehensive analyses for buying, selling, or holding properties. My approach is built on fostering strong industry partnerships and providing value-added resources to help clients achieve optimal financial strategies.

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Ratings & Reviews

5.0

EXPERIENCE

Home Loan Manager, Bank of America Home Loans (2006–2009)

Branch Sales Manager, Wells Fargo Home Mortgage (2010–2012)

Growth Coordinator/Director Consultant, BNI Wasatch and Summit County (2013–2019)

Founder/Principal Lending Manager, Xcel Financial (2012–Present)

Managing Director/Real Estate Consultant, Cedar Hills Properties/JEG Corporation (1993–Present)

SPECIALITIES

Market Analysis and Property Acquisition

Strategic Business Planning & Alliances

Custom Construction Financing

Mortgage Lending (Conventional, Jumbo, FHA/VA/USDA)

Real Estate Investment Analysis

CERTIFICATIONS

Certified Homebuyer Trainer

Multicultural Markets Certified

Certified Builder Representative

Real Estate Sales Agent License, Utah Division of Real Estate

Principal Lending Manager License, Utah Division of Real Estate

LANGUAGES

Spanish (Fluent)

English (Fluent)

AWARDS

Consistently funded an average of over $2 million monthly (Bank of America)

Annual Premier Recognition Award for top-performing retail bank branch

Saved clients over $240K in investment costs (2024)

EDUCATION

Avionics Systems Specialist, United States Air Force

Business Management, Salt Lake Community College & Southern Utah University

Family and Human Services, BYU-I

INTERESTS

Strategic Market Identification

Business Networking and Referral Growth

Leadership Development

CHARITY

Experience in community education and growth coaching for local business owners.

AREAS SERVED

Uintah County, UT

Salt Lake County (Northwest), UT

Summit County, UT

Wasatch County, UT

Park City, UT

Heber City, UT

Eddie Garcia Independent Real Estate Consultant & Lending Mngr.