Mortgage · Investment · Business
Find the loan that actually fits your numbers.
Garibay Financial compares programs across lenders and shows you the real monthly cost — before you commit to anything.
Your Mortgage. Your Way.
No credit pull to explore your options.
Today's rates
Live pricing from our lender sheet
Updated September 21, 2026
Conventional
30-year fixed
7.000%
7.046% APR
760 FICO · 20% down · primary home
Conventional
15-year fixed
6.250%
6.420% APR
760 FICO · 20% down · primary home
FHA
30-year fixed
6.375%
6.420% APR
680 FICO · 3.5% down
VA
30-year fixed
6.375%
6.430% APR
720 FICO · $0 down
DSCR investor
30-year fixed
6.875%
6.947% APR
740 FICO · 25% down · 1.25 DSCR
Sample scenarios for illustration only. Your rate depends on credit score, loan amount, property type, occupancy, and loan-to-value. Not a commitment to lend.
What are you trying to do?
Buying or refinancing a home
FHA, VA, USDA, and conventional loans for first-time buyers and move-up families.
ExploreInvesting in property
DSCR rentals, construction loans, and HELOCs to put your equity back to work.
ExploreGrowing a business
Working capital, equipment financing, and commercial real estate lending.
ExplorePayment calculator
See the monthly payment before you shop
Adjust price, down payment, rate, and term to see how your payment moves.
Estimated monthly payment
$2,878
Loan amount $382,500
- Principal & interest
- $2,418
- Estimated property tax
- $336
- Estimated insurance
- $124
Estimates only. Taxes and insurance vary by county and property.
All programs
Compare loan types side by side
Conventional Loan
The standard for buyers with steady income and solid credit.
- As little as 3% down
- Drop mortgage insurance at 20% equity
- 15 – 30 year terms
FHA Loan
Government-backed financing with flexible credit requirements.
- 3.5% down payment
- Lower credit score minimums
- Gift funds allowed
VA Loan
Earned benefit for veterans, active duty, and eligible spouses.
- $0 down payment
- No monthly mortgage insurance
- Competitive fixed rates
USDA Loan
Zero-down financing for eligible rural and small-town properties.
- $0 down payment
- Income and area limits apply
- Low guarantee fees
HELOC
Tap the equity you have already built, and only pay for what you use.
- Revolving credit line
- Interest-only draw period
- Keep your first mortgage rate
DSCR Loan
Qualify on the property's rent, not your tax returns.
- No personal income docs
- Vesting in an LLC allowed
- Unlimited financed properties
Construction Loan
Finance the build, then roll into permanent financing.
- Draw schedule funding
- One-time-close options
- Builder review support
Business Lending
Working capital, equipment, and commercial property financing.
- Lines of credit & term loans
- Equipment financing
- Commercial real estate
How it works
- 01
Tell us the goal
A short conversation about the property, timeline, and budget.
- 02
Get matched
We compare programs and lenders and show you real numbers side by side.
- 03
Lock and close
We handle the paperwork and keep you updated until keys are in hand.
About us
A true broker, on your side
Garibay Financial is an independent mortgage brokerage founded by Yuma native Edgar Garibay. As a true broker, we're not tied to one lender's menu — we shop a network of wholesale lenders and match you with the program and pricing that actually fits.
- Home, investment, and business lending under one roof
- Millions funded for families across Arizona
- Personal guidance from application to keys in hand
Not sure which loan fits?
Tell us about your goal and we will lay out the options with real numbers — no credit pull required to start.