Jose Garibay

Mortgage Advisor  |  NMLS #2582708

Welcome to my LO page! As a licensed Loan Officer in Oregon, I’m here to answer any questions you have about the loan process. I’m proud to be bilingual and committed to providing honest, reliable service. Let me help you turn your dream of homeownership into a reality.

State License:

Jose Garibay - Advantage Mortgage Mortgage Advisor

I'm a Mortgage BrokerHonestDedicatedTrustworthyCompassionate

As a bilingual and bicultural loan officer and the child of immigrants, I understand firsthand the challenges faced by those who don’t fully understand the language. I am dedicated to empowering the community by providing clear, personalized guidance throughout the loan process. Fluent in English and Spanish, I ensure clients fully understand their options and feel comfortable and confident in their financial decisions. My goal is to foster trust and transparency, helping everyone easily achieve their financial dreams.

Where are you in your journey ?

I understand that no two clients are alike, so I put together useful mortgage information specific to different homebuyer and homeowner situations.

1st Time Homebuyer

Will this be your first time purchasing a home? No sweat.

Moving Up

When you’re ready to take that next step, we’re here for you.

Downsizing

They say size isn’t everything. Let’s review your options.

Refinancing

Love the home you’re in? Let’s make it even better.

My Branch

Where can you find me? At Advantage Mortgage’s Salem – Lancaster branch!

  • 471 Lancaster Dr NE
    Salem, OR 97301

  • (503) 266-5800
Advantage Mortgage Loan Programs

Looking at loan options?

We'll help you find the right loan programrateterm

As a mortgage broker, I shop 100’s of lenders to find you a great rate and offer a wide selection of loan programs.

Let’s get started.

I’m excited for the opportunity to work together. How can I help you?

Purchase a Home with Advantage Mortgage

Purchase

I want to purchase a new or existing home.

Purchase a Home with Advantage Mortgage

Refinance

I want to make changes to my existing mortgage.

Purchase a Home with Advantage Mortgage

2nd Opinion

I have a quote from another lender to compare.

– or –

971-719-7028

I'm ready to apply now