Mike Garay at Rate NMLS: 249941

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United States
Porterville, CA
Mike Garay at Rate NMLS: 249941

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Co-Producing Partnership Branch Manager
Mike Garay NMLS: 249941

My goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing.

11/03/2026

The views at River Island Country Club continue to impress!

This morning brought another breathtaking sunrise, with a beautiful new blend of colors illuminating the sky and reflecting across the water.

No two mornings are ever quite the same at River Island, and each one reminds us just how special this setting truly is.

What’s your favorite part of a River Island sunrise?

10/30/2026

Officially CLOSED on 10/26/26!

Congratulations to my investor client on their second rental condo purchase—this one in Porterville, CA! From accepted offer to closing, it’s exciting to see their investment plans move forward.

People are still buying, and affordable options are out there. Looking to rent? Keep an eye out for this condo’s rental listing.

Tired of paying rent? Call me, and let’s see what you may qualify for to buy a home of your own!

10/30/2026

We’re CLEAR TO CLOSE! 🎉🏡

Remember my first-time buyer who works at Amazon in Visalia and went under contract on her first home in Porterville? She’s now one big step closer to getting her keys!

This home was listed as “cash only” or conventional because of needed repairs. Our path forward? An FHA renovation loan that combines the purchase and health & safety repairs, with mom and dad supporting her as non-occupant co-borrowers. 🛠️❤️

Now she’s getting ready to trade renting for homeownership. We’re not at the finish line just yet, but this is a milestone worth celebrating!

Don’t let “cash only” or “needs work” make you count yourself out before exploring your options. 👉 DM me to talk about what may be possible for you.

Address

1055 W Morton Avenue, Ste D
Porterville, CA
93257

Telephone

+15593610294

Website

https://www.rate.com/loan-officers/mike-garay-249941

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