Manny Garza

  • Mortgage Loan Specialist
  • NMLS: 1039663
  • (480) 308-0396
  • (602) 214-7867
  • (480) 621-3838
  • 9237 E Via De Ventura, Ste 210
  • Scottsdale, Arizona 85258

After years of experience in the Mortgage Industry, I’ve learned to appreciate and prioritize my client’s time. I aim to complete your transaction with speed, effective communication, and a highly-competitive rate! Your complete access to me combined with KS StateBank’s extremely user-friendly system, means you no longer have to choose between great service and great rates.

With nationwide clientele, our Mortgage Division has certainly seen it all. From VA to Jumbo and everything in between, we set our rates with the intention of putting you, the customer, first. Whether you found me online or were referred by a friend or family member, I am excited to make this a smooth and stress-free home financing process for you.

Manny Garza Loan Specialties:

  • VA

  • Jumbo

  • Conventional

  • FHA/ FHA 203K

  • USDA

 

 

Unpacking and Understanding the Mortgage Payment
Unpacking and Understanding the Mortgage Payment
Nov 7 2018   Mortgage Mortgage Payment Home loan Principal Interest
As a first-time homebuyer, you likely have questions about your mortgage payments and how it's calculated. How much can you expect to pay? How are taxes paid? What's the purpose of mortgage insurance? This post unpacks your mortgage payment so you... Read More
Little Known Factors That Affect How Much Property You Can Afford
Little Known Factors That Affect How Much Property You Can Afford
Oct 24 2018   Pre-Qualified home loan price property type mortgage
Getting pre-qualified for a home loan is an essential first step to knowing how much home you can buy. But did you know that the property itself also affects on how much you can afford? Here are some of the factors that determine how much you can... Read More
Should I Sell My Current Home Before I Buy A New One?
Should I Sell My Current Home Before I Buy A New One?
Oct 10 2018   Home Buying Home Selling HELOC Mortgage Rate
You may be wondering if there is a right order to buying and selling a home when you're already a homeowner. For example, would it be better to sell first and then shop for a new home? Or maybe it's best to buy first then sell your current home? This... Read More
The Easiest Ways to Save Money with Energy Efficiency
The Easiest Ways to Save Money with Energy Efficiency
Sep 19 2018   Money Saving Energy Efficient Savings
It’s often said that making a budget is a lot easier than actually sticking to it! But when you become a homeowner, it’s even more essential that you make an effort to live within your means. Your house is not only your biggest... Read More

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