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Loan Consultants

Gary is a Texas native that has a passion for family, community, military, and the mortgage industry. He has been in the mortgage industry for over 20 years. He has in-depth experience in providing conventional, jumbo, FHA, USDA, VA, and Down Payment Assistance loan options for home purchase. He is very knowledgeable in all areas of mortgage from new home purchase to refinancing to home renovation. He proudly served in the United States Army and believes in giving back not only to the community but also to the military and veterans.

Gary believes in teamwork and that the highest level of success is achieved when everyone works together. He also believes in good communication and that good customer service is always key. Throughout the years he has learned how to take a mortgage loan from the beginning to end, keeping it simple and easy while educating clients, realtors and industry partners.

Gary is married with children and grandchildren and loves spending time with family and friends. During his free time, he enjoys watching and playing sports, trying new restaurants and seeing new places.

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$
$
%
$
years
%
$
/ year
%
$
/ year

Private Mortgage Insurance typically costs between 0.5% to 1% of the entire loan amount over 80% LTV on an annual basis.

$
/ year

Your Monthly Payment

$1,512.46

Your Payment

Monthly Principal & Interests : $1145.80

Monthly Real Estate Taxes : $316.67

Monthly Insurance : $66.67

Monthly PMI : $0.00

Total Monthly Payments : $1529.13

Additional Information

Loan To Value Ratio : 80.00%

Months With PMI : 0 months

Educational Block

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What to expect

when refinancing.

Refinancing your existing mortgage may be easier than you think.

Learn More >>
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What is the process

for buying a home?

Caliber Home Loans, Inc. ("Caliber") has streamlined the process for you!

Learn More >>
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Smaller down-payment

program options.

Do you have questions about lower down-payment options?

Learn More >>

Loan Consultants

Let’s start this
journey together!

Apply Now
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