About us
Your Mortgage. Your Way.
Garibay Financial is a true independent mortgage brokerage serving homebuyers, real estate investors, and business owners across Arizona.
Meet the founder
Edgar Garibay
Founder & Mortgage Loan Originator · NMLS #1627544
Edgar Garibay is a Yuma native with family roots in Michoacán, Mexico. He has been in the real estate industry since 2012, and founded Garibay Financial after recognizing the need for more mortgage options and personalized guidance through a true independent brokerage.
Since then, Garibay Financial has funded millions of dollars in home loans and helped families achieve homeownership throughout Arizona. Edgar is a proud Arizona State University graduate with a bachelor's degree in Housing and Urban Development. Outside the office, he enjoys spending time with his family and watching soccer.
Why it matters
What a true broker means for you
A bank sells you its own products. A broker shops the whole market on your behalf.
More options
Banks can only offer their own menu. As a broker, Edgar works with a network of wholesale lenders, so your loan is matched to the program that fits — not squeezed into whatever one institution sells.
Wholesale pricing
Wholesale lenders compete for your loan. That competition works in your favor on rate and fees, often beating the retail branches customers walk into.
Your advocate
Garibay Financial is independent and licensed, with one point of contact from application to closing. The goal is simple: the right loan on terms that make sense for you.
- Home loans: FHA, VA, USDA, and conventional
- Investment financing: DSCR, construction, and HELOCs
- Business lending: working capital, equipment, and commercial property
- One licensed point of contact from application to keys in hand
Working with us
- 01
Tell us the goal
A short conversation about the property, timeline, and budget.
- 02
Get matched
We compare programs and lenders and show you real numbers side by side.
- 03
Lock and close
We handle the paperwork and keep you updated until keys are in hand.
Not sure which loan fits?
Tell us about your goal and we will lay out the options with real numbers — no credit pull required to start.