Gavin Garay - Loan Officer

02/02/2026

Monday Motivation: Breaking Down Mortgage Myths! 💪

MYTH: You need a 20% down payment to buy a home.

TRUTH: Many first-time buyers get approved with as little as 3-5% down! 🏡

There are programs specifically designed for first-time buyers, veterans, and low-to-moderate income families that require minimal down payments.

Don’t let this myth hold you back from homeownership. Let’s chat about what you actually qualify for! 👇

DreamHome HomeBuying101 MortgageTips

12/05/2024

Understanding the difference between a mortgage broker and retail lending saves you money — $10,662* to be exact Want to know more? Let's talk!

11/11/2024

08/26/2024

When it comes to securing a mortgage, working with a mortgage broker can make all the difference. Unlike banks, mortgage brokers have access to a wide range of lenders, which means they can shop around to find the most competitive rates tailored to your unique situation. This flexibility often results in lower interest rates and better terms for you.

But it's not just about saving money—it's about saving time, too. Mortgage brokers are experts in the process, often able to secure approvals and close deals faster than traditional lenders. If you're looking for a seamless, stress-free experience with the best possible rate, a mortgage broker is the way to go! 💼🏡
Message me or give me a call today to discuss your home buying journey.
Nmls #2255887
Companynmls #2072896

07/15/2024

we have a fantastic incentive available for FHA refinances! If you closed an FHA loan last year let's explore how we can help you save money on your monthly payments without an Appraisal!

Don't miss out on this chance to reduce your mortgage costs. Contact me today to learn more about how we can help you save!

Application: https://gorascal.my1003app.com/2255887/register?time=1721079848856

07/04/2024

Happy 4th of July! This Independence Day, why not declare your independence from your landlord? Let's start your journey to homeownership. Get in touch and let freedom ring!

07/03/2024

Brokers provide helpful services throughout the entire financing process. Call me today and experience why brokers are indeed better.

07/01/2024

Happy birthday to my beautiful wife. Jayce and I are so lucky to have you. Thankful for all that you do for us

06/29/2024

False! While debt owed is a factor taken into consideration when getting approved for a mortgage loan, being debt free isn’t required! If you have car payments, student loan debt, etc., you can still make homeownership a reality. Call today to learn more!

06/09/2024

Think you need 20% for a down payment on a home? Think again – you could go much lower. In fact, we may be able to help you get into your dream home for as little as 0% down. PM us today!

06/06/2024

This is my only Facebook account. Please don’t accept this friend request and report this account pretending to be me