Just as a builder wouldn’t begin a home without a blueprint, you shouldn’t choose a loan without first developing a plan.   Doing so will insure a smoother, more streamlined process.  So before you meet with us, please take the time to gather the needed documentation - Click Here.


We’ll be the first to admit that we’re not the same as a lot of mortgage bankers out there.  And our customers couldn’t be happier about that.  We don’t offer a rushed, one-size-fits-all approach that is typically the focus of pre-qualifying.  Instead we offer a unique, in-depth consultation that helps paint a more accurate picture of the best financing option for you today…and for your future.

During your consultation we’ll help you to select the loan program that best accomplishes your particular financial objectives.   You’ll be able to…
  • Determine the amount your comfortable paying per month. We don’t use a pre-determined formula.  We help you establish a financial plan with a home payment that fits your needs and your budget.

  • Design a strategy tailored to your specific goals by comparing available financing options so you can select the right program.

  • Consider alternatives to avoiding compromises on the home you can truly afford.

  • Determine if it’s in your interest to pay points for a lower rate.

  • Consider how the length of time you plan to stay in your home impacts the program you choose.

  • Examine your assets and define the right amount for you to invest.

  • Suggest alternatives for managing your equity investment that could save you tens of thousands of dollars.

  • Review the exclusive benefits of income tax deductions available only to homeowners.  Be sure to ask about our Move-Up Homebuyer Tax Analysis™, a terrific tool for first time home buyers as well.



The Garber Team
17 E Sir Francis Drake Blvd
Ste 110
Larkspur, CA 94939

Phone: 415.925.5225
Fax: 415.925.5244
Email: info@thegarberteam.com


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