Holly Garza NMLS# 1948730

Holly Garza NMLS# 1948730 Founded in 1944, Waukesha State Bank is one of the largest locally owned, independent banks in the State of Wisconsin serving both individuals and businesses.

Member FDIC. waukeshabank.com One of the largest locally owned, independent banks in the State of Wisconsin serving both individuals and businesses. WaukeshaBank.com

Unlocking Mortgage Myths: What You Really Need to KnowPeople often ask me:“Do I need a 20% down payment to buy a home?”“...
09/03/2025

Unlocking Mortgage Myths: What You Really Need to Know

People often ask me:
“Do I need a 20% down payment to buy a home?”
“Is my credit score too low to qualify?”
“Can I really afford a mortgage right now?”

Here’s the truth: Every borrower’s situation is unique. There are loan options for different budgets and credit scores—and I’m here to help you find the right fit.

At Waukesha State Bank, I’ll:
🔸 Review your financial picture
🔸 Explain the loan programs that might be right for you
🔸 Guide you through the process with clear, simple answers

Curious? Send me a message anytime or drop your questions below. Let’s bust those myths together! 💬

In observance of Labor Day, all Waukesha State Bank locations are closed today, September 1. I’ll be back tomorrow and r...
09/01/2025

In observance of Labor Day, all Waukesha State Bank locations are closed today, September 1. I’ll be back tomorrow and ready to help with all your mortgage needs. Enjoy the holiday and take time to celebrate the hard work you do every day!

🎆 Happy 4th of July! 🎆Wishing you a fun, safe, and unforgettable Independence Day!Let the sparks fly, the grills heat up...
07/04/2025

🎆 Happy 4th of July! 🎆

Wishing you a fun, safe, and unforgettable Independence Day!
Let the sparks fly, the grills heat up, and the laughter fill the air. Here’s to good vibes, great company, and memories that last a lifetime.

💥 What No One Tells You About Home Loans… Until It’s Too Late! 💥Buying a home isn’t just about your down payment or cred...
06/25/2025

💥 What No One Tells You About Home Loans… Until It’s Too Late! 💥
Buying a home isn’t just about your down payment or credit score—it’s about having the right plan and the right person in your corner.

That’s where I come in.
As a mortgage lender at Waukesha State Bank, I’m not just here to get you a pre-approval and send you off—I’m here to guide you through the entire process with clarity, support, and real advice that fits your goals.

✅ Competitive loan options
✅ Personalized service
✅ Local experience you can trust

Whether you're a first-time buyer, upgrading, downsizing, or refinancing—I’m here to help you make confident decisions with zero pressure.

🏡 Ready to start the conversation? Just drop a “READY” in the comments or send me a message.
Let’s turn that “maybe someday” into your next smart move.

All Waukesha State Bank locations will be closed today, Thursday, June 19th, in observance of Juneteenth. I’ll be happy ...
06/19/2025

All Waukesha State Bank locations will be closed today, Thursday, June 19th, in observance of Juneteenth.
I’ll be happy to assist you with all your lending needs when we reopen on Friday, June 20th.

🏡 Why connect with a mortgage lender early in the homebuying process?It helps you understand your budget, improve your f...
05/29/2025

🏡 Why connect with a mortgage lender early in the homebuying process?

It helps you understand your budget, improve your financial readiness, and move quickly when you find the right home.
Starting early gives you the confidence and clarity you need to make smart decisions.

Have questions or ready to get started? I’m here to help!
Let’s talk about your goals—reach out anytime.

In observance of Memorial Day, all Waukesha State Bank locations will be closed today. I’ll be happy to assist you with ...
05/26/2025

In observance of Memorial Day, all Waukesha State Bank locations will be closed today.
I’ll be happy to assist you with all your lending needs when we reopen on Tuesday, May 27th.

🏠 Is Now a Good Time to Buy? Let’s Talk Facts—Not Fear. 🏠I get asked these questions all the time:“Are rates going down?...
05/15/2025

🏠 Is Now a Good Time to Buy? Let’s Talk Facts—Not Fear. 🏠
I get asked these questions all the time:
“Are rates going down?”
“Should I wait?”
“Is now the right time?”

📊 Here’s the honest truth: The best time to buy a home is when you’re financially ready—and when you have a lender who takes the time to explain your options.

At Waukesha State Bank, I work one-on-one with my clients to:
🔸 Help you understand your real buying power
🔸 Break down the current rate environment in plain English
🔸 Make sure you feel confident every step of the way

Whether you’re buying your first home or planning your next, I’m here to be your guide.

📩 Feel free to message me directly or drop your questions in the comments—I’m always happy to help you make smart, informed decisions.

I’m beyond honored to have been named Rookie of the Year at the Wisconsin Mortgage Bankers Association's 10th Annual 'Be...
04/09/2025

I’m beyond honored to have been named Rookie of the Year at the Wisconsin Mortgage Bankers Association's 10th Annual 'Best in Business' Awards! 🏆

I’m so grateful for the incredible support from my amazing team at Waukesha State Bank. It’s been such a rewarding journey, and I couldn’t have reached this milestone without all of you by my side.

A huge thank you to everyone who believed in me and helped me grow along the way! Here's to many more successes, learning experiences, and celebrating wins together.

Want to increase your chances of winning your dream home? Here’s a tip:✨ Add an escalation clause to your offer! This ca...
03/25/2025

Want to increase your chances of winning your dream home? Here’s a tip:

✨ Add an escalation clause to your offer! This can help you outbid other offers—without going overboard.
💰 Enhance your earnest money! A larger deposit shows you’re serious and can make your offer stand out.

If you're in the process of buying a home, let’s chat! I’m here to help guide you through the lending process and make sure you’re ready to make your best offer.

Buying a home is an exciting journey, but it’s important to be aware of all the hidden costs involved—closing fees, util...
02/25/2025

Buying a home is an exciting journey, but it’s important to be aware of all the hidden costs involved—closing fees, utilities, moving expenses, and more!

If you’re feeling unsure about what to expect or how to prepare, I’m here to help.

Whether you're a first-time homebuyer or seasoned investor, I can guide you through every step of the process and ensure you're fully prepared.

Reach out today for expert advice, or send me a message if you have any questions—I’d love to help you make your homeownership dream a reality! 🏡💬

Let’s clear up some common mortgage misconceptions! 🏡✨If you're thinking about buying a home but feeling overwhelmed by ...
02/05/2025

Let’s clear up some common mortgage misconceptions! 🏡✨

If you're thinking about buying a home but feeling overwhelmed by what’s true and what’s not, I’m here to guide you through the process. Whether you're curious about the requirements or need advice tailored to your situation, don't hesitate to reach out.
I'm always here to help you make informed decisions and turn your homeownership goals into a reality. 💬🏠

Address

S31 W25995 W. Sunset Drive
Waukesha, WI
53189

Telephone

+12625744171

Website

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