Nick Garcia, President & CEO of Smarter Lending of PRMG, leads a mortgage company focused on client-centric solutions. Smarter Lending specializes in securing optimal home loans through a strategic, problem-solving approach and a high-approval lending platform. Beyond the initial purchase, Nick and his team provide ongoing expert advice and reporting tools, proactively guiding clients toward opportunities to save money, accelerate equity growth, and achieve their homeownership goals more affordably.