The Home Loans With Gary Difference

Home Loans with Gary » About Us

We acknowledge the significance of purchasing a house or refinancing, so we use a business style that maximizes efficiency, provides unmatched service, and allows us to close your loan promptly. We’ll be right around the corner, with plans to have loan officers throughout the country. We provide various financing options because you deserve a mortgage that best suits your requirements.

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Gary’s Journey

In 1989, Gary started working with Plants Mortgage, located in Toledo, Ohio. After working for over a decade, he joined Guaranteed Rate Affinity in 2000 and has been with them ever since. His work allows him to treat his customers like family. Everything he does revolves around the idea of putting his consumers first.

Types of Loans We Offer


Down Payment assistance

This definition has recently been altered, as evidenced by multiple published articles and university research. The FHA-insured reverse mortgage has become an important component of the retirement plan for seniors of all degrees of net worth.

Many homeowners aged 62 and up are residing in houses that are no longer adequate for their requirements. The homeowner can finance the purchase of a more suitable house and avoid monthly mortgage payments by selling that home and utilizing a portion of the profits as a down payment.


VA Loan Services

It shouldn’t be an uphill battle to find and qualify for a mortgage loan. With Gary Warstler’s commitment to rapid closings, you can relax in the comfort of your new home. We provide a down-payment assistance program for first-time homebuyers.


Federal Housing Administration (FHA) Loans

We work with the FHA to help first-time homebuyers close the deal with a minimal down payment. The loan can cover the majority of your closing costs and fees.


Jumbo Loan Services

The number of jumbo loans exceeds the conforming loan limits set by the Office of Federal Housing Enterprise Oversight (OFHEO). They usually have a higher credit risk resulting in higher interest rates.


Fixed-Rate Mortgages

It’s a home loan with a fixed interest rate for the duration of the loan. Fixed-rate mortgages often have maturities of 15 to 30 years. Your fixed-rate mortgage will stay at the percentage point you agreed to pay when you signed the contract.


Adjustable-Rate Mortgages

An adjustable-rate mortgage (ARM) is a house loan with an interest rate fixed for a defined period and then resets and fluctuates up or down regularly, depending on the loan terms. We provide ARMs with 5, 7, or 10 years fixed terms. The longer the loan’s fixed term, the greater the interest rate.

Our Mission

As the leading mortgage lender, we aim to make the process seamless and comfortable for our customers. We believe that everyone deserves fair rates during their first home purchase. Our customers are our family, and their growth makes us grow!