Your Dream Home is Within Reach.

Buying a home isn't just a new place to live, but an investment in your future. Start investing in yourself and own your home.
Start Owning Today

The Benefits of Owning:

1
Part of your monthly payment goes towards equity of your home, which can turn into a profit if you sell.
2
Because you are investing in an asset, your credit score can increase over time.
3
Many times, your mortgage interest, property taxes and sometimes even closing costs could be tax deductible.
4
Our wide range of mortgage options allow for great flexibility and financial planning.
Want to hear more about the benefits of homeownership? Talk with a Home Loan Specialist today.
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Eric Garnicki
Senior Mortgage Advisor

Get All the Ins and Outs of Homeownership

Instead of day dreaming about your dream home... use a renovation loan and just build it!
1
Qualify for a Loan
2
Find Your Ideal Home
3
Earn Equity Over Time
Instead of day dreaming about your dream home... use a renovation loan and just build it!
Get Your Guide

Your local remodeling professionals

Instead of day dreaming about your dream home... use a renovation loan and just build it!
Phil Ganz
Mortgage advisor from Fairway
Instead of day dreaming about your dream home...
Boston, MA
schedule renovation consultation
Phil Ganz
Mortgage advisor from Fairway
Instead of day dreaming about your dream home...
Boston, MA
schedule renovation consultation
Phil Ganz
Mortgage advisor from Fairway
Instead of day dreaming about your dream home...
Boston, MA
schedule renovation consultation
Phil Ganz
Mortgage advisor from Fairway
Instead of day dreaming about your dream home...
Boston, MA
schedule renovation consultation
Phil Ganz
Mortgage advisor from Fairway
Instead of day dreaming about your dream home...
Boston, MA
schedule renovation consultation

Tools, Tips, Resources, and More

Instead of day dreaming about your dream home... use a renovation loan and just build it!
Schedule a Consultation

Don't just take my word for it...

Ardmore, PA

Katie & Ken recently completed a major home renovation that included significant new square footage off the back of their home to make room for a brand new kitchen & master suite.
Communication
Construction
Design
schedule renovation consultation

Reviews

Michael Douglas
Redwood City, CA
Working with Eric and his team has been great refinance experience. They are very thorough in collecting the needed documentation and have always made themselves available to answer any questions that may surface. I know my refinance wasn't the easiest and really appreciated all that Eric has done to get it my loan closed. I give Eric the highest recommendation.
Arshpreet Bhatti
San Jose, CA
An absolutely amazing Mortgage broker. I bugged him so much, asking about every $ on the closing disclosures, multiple times and he was always available to answer them. I changed my mortgage plan multiple times and he guided me through the entire process, each time. He was recommended to me by my family and I have recommended him to the rest of my family.
Duquene Fertiti
Suisun City, CA
It was a honor to work with Eric Garnicki and his team. The service and personal attention I received from them was exceptional and beyond what I was expecting. Since day one, they show nothing but professionalism, leadership, honesty, integrity, and competency. I highly recommend Eric and his company to anyone.
Marcela Masri
San Jose, CA
Eric has done a great job getting me the best rate that he could when I purchased my house. His level of commitment is impressive. He was willing to travel all the way to Hollister from San Jose to get a document that was needed for my approval. That is something rarely seen. Also I truly appreciate that whenever I had a question, he was there for me. I recommend his services and it was truly a pleasure doing business with him.
Katie Gomez
San Jose, CA
I am incredibly pleased by the service my husband and I received from Eric when I refinanced my home earlier this year. First of all, he was very proactive in helping us understand the lending process, timelines, and steps. He also walked us through different scenarios and options to best fit our financial situation, near and long term! This isn't something I expected from a Loan Officer, I was blown away by his insight and oversight for our best interests.

Invest in the future you deserve

Not only do you deserve a perfect home, but one that will lead to a better future. We can help you get there.
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See if you're paying too much for your mortgage!
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*The refinance quiz is for estimation purposes only. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.
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Where are you located?
CONTINUE
What type of home do you own?
Estimate your credit score.
CONTINUE
Please estimate the value of your property.
$80k$2M+
CONTINUE
What is the remaining 1st mortgage balance?
$80,001 to $100,000
$0$300k+
CONTINUE
What is your 1st mortgage interest rate?
5%
0%10%
CONTINUE
What kind of rate do you have?
What kind of rate would you prefer?
How will this property be used?
Do you have a 2nd mortage?
Would you like to borrow additional cash?
What is your average monthly income?
$10,001 to $15,000
$0$50k+
CONTINUE
What are your average monthly expenses?
$10,001 to $15,000
$0$50k+
CONTINUE
What is your full name?
CONTINUE
What is your email address?
CONTINUE
What is your phone number?
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information request!
Need more help of your homeownership journey? Schedule an appointment today. Or contact directly:
Eric Garnicki
Senior Mortgage Advisor
Schedule a consultation
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Stop paying your landlord.
Start building equity.
Start
The Rent v's Buy quiz is for estimation purposes only. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.
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What is your monthly rent payment?
CONTINUE
What's your monthly rental insurance?
CONTINUE
What's the price of the home you are considering?
CONTINUE
How much down payment can you afford?
3.5% Down
0%50%+
CONTINUE
How long would you want your mortgage to be?
CONTINUE
What is your annual income?
CONTINUE
Are you a Veteran or spouse of a Veteran?
What is your full name?
CONTINUE
What is your email address?
CONTINUE
What is your phone number?
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Need more help of your homeownership journey? Schedule an appointment today. Or contact directly:
Eric Garnicki
Senior Mortgage Advisor
Schedule a consultation
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Get your FREE mortgage payment estimate*
Start
*The mortgage payment quiz is for estimation purposes only. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.
Privacy and Security Guaranteed
Question 
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/ 10
Where are you located?
CONTINUE
What type of home are you purchasing?
Estimate your credit score.
CONTINUE
What is the purchase price of the new property?
$80k$2M+
CONTINUE
What is your estimated downpayment?
3.5% Down
0%50%+
CONTINUE
Where are you at in the property search?
Are you working with a realtor?
What is your full name?
CONTINUE
What is your email address?
CONTINUE
What is your phone number?
Prev
0
11
23
32
44
56
65
74
85
97
%
Privacy & Security Guaranteed
Thanks for your
information request!
Need more help of your homeownership journey? Schedule an appointment today. Or contact directly:
Eric Garnicki
Senior Mortgage Advisor
Schedule a consultation
Your information won’t be sold
Oops! Something went wrong while submitting the form.
1 Eric Garnicki https://calendly.com/yourmortgageguyeric/15min Chat