GARBER FINANCIAL


Your Real Estate and Mortgage Experts

Loans

First Mortgages

There are more choices available than ever before for today's first mortgage borrower.

Some of the program choices:
  • 100% financing - No Down Payment for VA Loans
  • First time buyer programs - No Down, Low Down
  • Fixed and adjustable rate loans - interest only or fully amortizing options available.   Call for a rate quote, these can and do change frequently. Available for:
    • Conforming - up to $417,000
    • High Balance Conforming - over $417K to the county limit
    • Jumbo - above the high balance limit loan amounts 
  • HARP 2.0 - introduced in 2012, these loans allow homeowners to refinance at today's low interest rates, regardless of their equity position. We have had loans approved where the loan balance is 225% of the property value!
    • In order to qualify for this program, your current loan must be owned by FNMA or FHLMC, been opened before 5/31/2009, and be current on payments.
    • Call to find out more details and we will help you to determine if your loan qualifies.

Government Loans

We specialize in Government Loans
  • VA Loans - if you have served in the military on active duty or as a reservist, you may purchase a home with no money out of your pocket!
  • FHA Purchase - with 3.5% down.  All gift down payment OK!
  • FHA refinance - Refinance your FHA or conventional loans to 97.75% LTV

Second Mortgages

We have funds available for second trust deeds.
Funds may be used for any of the following: (this is a partial list)

  • Debt consolidation
  • Home Improvement
  • College Tuition
  • Cash for Vacation (or just about any other reason)
  • Down payment on a new or second home or rental property
  • Loans up to 80% of the value of your property.
We can tailor a program that suits your needs and your budget.

Need more information?

Check out our FAQ for more information about the loan process and what it takes to qualify for a loan.