Mike Garay at Rate NMLS: 249941

06/04/2026

What is a HELOC and how does it work? We've got the HELOC answers you're looking for. Learn more about home equity lines of credit & apply today!

06/03/2026

06/02/2026

If you're looking to purchase a mobile home in a mobile home park, contact me today. We can finance these properties!

06/02/2026

Clear to Close in 32 Days for our Veteran buyer!

Huge congratulations to our first-time homebuyers — a Veteran and his wife — on getting Clear to Close on their new home in Visalia, CA!

They were able to qualify for a 100% financing VA loan with no down payment, plus down payment assistance that helped cover closing costs. That is a powerful combination, especially for first-time buyers looking to keep more money in their pocket.

What makes this one even more special is that these clients were referred to me by a past client after having a bad experience with another loan officer who wasn’t answering or returning their calls. Communication matters. Service matters. And when you are making one of the biggest purchases of your life, you deserve someone who is responsive, knowledgeable, and committed to getting you to the finish line.

We love helping Veterans and their families achieve homeownership. We also take pride in delivering great customer service, which makes for happy clients and happy Realtors.

If you are thinking about buying a home, let’s get you pre-qualified today!

VA, FHA, Conventional, and Down Payment Assistance options may be available.

Reach out anytime — I’d love to help.

06/02/2026

Do you have your eye on a home worth $600k or more? Find out what it takes to afford a $600,000 home & apply for a mortgage pre-approval today!

06/01/2026

This backyard is about to become a source of income.

We’re currently building another ADU, and one thing I hear all the time is:

“I didn’t think my property was big enough.”

The truth is, many homeowners are sitting on the opportunity to add living space, create rental income, increase their property value, or build a home for family—and they don’t even realize it.

If you’ve ever wondered whether your property could support an ADU, send me your address.

I’ll take a look and give you my honest thoughts on what’s possible. FREE consultation.

No obligation. No sales pitch.

Just a conversation.

📞 559-920-2625
📧 [email protected]
DRE # 02101232

RealEstate CaliforniaADU CentralValleyRealEstate PropertyInvestment Homeowner