Loan Officer Location
About Me
Loan Officer · NMLS 208008
As Mortgage Advisor / Branch Manager with American Financial Network - I’m proud to lead a team of top mortgage loan originators who share my dedication and commitment in serving our new homebuyers, past clients and Real Estate partners. I alone have over 40 years of experience specializing in all types of Down Payment Assistance Programs for First Time Homebuyers, In addition to other products and programs that we have available for our clients. Finding the right solution for your individual needs is our mission.
My Location
Montebello 420 N. Montebello Blvd Suite 100, Montebello, CA 90640
Social Survey View
Gabriel Garza's
OVERALL RATING
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"Gabriel was..."
Gabriel was really professional and efficient with the whole process. I will definitely recommend Gabriel and his team to anyone looking to purchase a home.
Manuel
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"friendly helpful..."
friendly helpful and available at all times
Miguel
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"Gabe was..."
Gabe was excellent to deal with. He helped me through process.
Gilbert
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American Financial Network, Inc. is providing the calculator tools above as a courtesy and results are estimates only. Please consult with a licensed American Financial Network, Inc. Loan Originator for more specific information and to discuss your individual needs and circumstances. Standard disclaimers apply.
Loan Program View
LOAN PROGRAMS
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Reverse MortgagesA reverse mortgage loan, like a traditional mortgage, allows homeowners to borrow money using their home as security for the loan. A Home Equity Conversion Mortgage (HECM), the most common type of reverse mortgage, is a special type of home loan only for homeowners who are 62 and older. Also like a traditional mortgage, when you take out a reverse mortgage loan, the title to your home remains in your name. However, unlike a traditional mortgage, with a reverse mortgage loan, borrowers don't make monthly mortgage payments. The loan is repaid when the borrower no longer lives in the home. Interest and fees are added to the loan balance each month and the balance grows. With a reverse mortgage loan, homeowners are required to pay property taxes and homeowners insurance, use the property as their principal residence, and keep their house in good condition.1 American Financial Network, Inc. is not acting on behalf of or at the direction of HUD/FHA or the federal government. Borrowers must continue to make property tax, insurance, and other maintenance payments in order to avoid risk of default. 1. https://www.consumerfinance.gov/ask-cfpb/what-is-a-reverse-mortgage-en-224/
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ConventionalIndustry standard loan programs with purchase and refinance options for most borrowers. These programs follow lending rules set by Fannie Mae and Freddie Mac and have the reputation for being the most affordable and quickest to close in the mortgage industry.
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FHAInsured by the Federal Housing Administration, these loans are a great option for homebuyers looking to put the minimum amount down as possible, homeowners looking for simple refinance options, and for borrowers with less than perfect credit.
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VAJust for veterans and surviving spouses! Finance up to 100% of your new home’s value with no money down, and no private mortgage insurance; or refinance your home quickly and easily with minimal paperwork.