Garibay Financial

Every client’s experience matters to us.

Thank you, Jason, for trusting Garibay Financial and for taking the time to share your review. Our goal is simple: communicate clearly, work hard behind the scenes, and help make the mortgage process feel less overwhelming. 🏡

Have we helped you with your home loan?
We’d appreciate your review here: https://bit.ly/GaribayFinancialGoogleReview

Garibay Financial
NMLS 1891945
(928) 261-9095

This is what we work for. ⭐️⭐️⭐️⭐️⭐️

A smooth process, clear communication, and doing everything we can to help our clients get home.

Thank you, Abraham, for trusting Garibay Financial! 🏡

Edgar Garibay
(928) 261-9095

¿Estás esperando que bajen las tasas? No esperes sin una estrategia.

Antes de decidir si comprar, esperar o refinanciar, veamos tus números. A veces esperar ayuda… y a veces cuesta más.

Garibay Financial: (928) 261-9095

Today we pause to remember and honor those who made the ultimate sacrifice for our country.

In observance of Memorial Day, our office will be closed today.

May we never take their courage, service, or freedom for granted. 🇺🇸

ARM loans are not always bad — they’re just not the right fit for every buyer.

A lot of people hear “adjustable-rate mortgage” and immediately think it’s risky, but the truth is, every loan option has a purpose depending on your situation.

An ARM may be worth comparing if you’re planning to keep the home for a shorter period of time, expect your income to grow, have a refinance strategy, or simply want to understand all available options in today’s higher-rate market.

The key is not choosing a loan because it sounds good today. The key is understanding how it works, what happens when the rate adjusts, and whether it lines up with your long-term financial goals.

At Garibay Financial, my job is not to push one loan program. My job is to help you compare mortgage options, understand the payment strategy, and make a decision with confidence.

Whether you’re looking at a home loan, comparing mortgage rates, using a mortgage calculator, or searching for a mortgage broker near me — we’re here to guide you.

Garibay Financial
(928) 261-9095

Rent is easy to get comfortable with… until you look at the long-term numbers.
Buying isn’t always the answer for everyone, but knowing your options can help you make a smarter move for your future.
Wondering if it makes sense for you to buy instead of rent? Let’s run the numbers.

Call/Text (928) 261-9095

Garibay Financial LLC | NMLS 1891945
Homeownership costs and approval depend on income, credit, debt, down payment, taxes, insurance, and loan program.

Tu casa podría tener valor disponible sin que tengas que venderla.

Eso se llama equidad.

Un HELOC puede ayudarte a acceder a una parte de esa equidad como una línea de crédito flexible — pero ojo, no es dinero gratis.

Es dinero prestado usando tu casa como garantía, por eso los números tienen que hacer sentido antes de tomar una decisión.

¿Quieres que te ayude a revisar si un HELOC podría funcionar para ti?

📞 Llámame o mándame texto: 928-261-9095
🌐 garibayfinancial.com

Garibay Financial LLC | NMLS #1891945

A lot of people still think you need 20% down to buy a home.
The reality is… many buyers qualify with far less depending on the loan program and their overall financial picture.
Your savings could potentially be enough for a down payment — and the first step toward homeownership.
Every situation is different, but understanding your options can make a huge difference.
📞 (928) 261-9095
🌐 garibayfinancial.com
Garibay Financial LLC | NMLS 1891945

Your dream home doesn’t have to start with an existing house 👀

Sometimes it starts with the right lot, the right vision, and the right team guiding the process from beginning to end.

From land acquisition to financing your custom build, we help make the process feel possible.

📍Thinking about building in Yuma or Arizona?
�Call/text (928) 261-9095