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dozens of lenders to find the mortgage solution that saves you the most — transparent data, zero guesswork.

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Important Notice: The rates, down payment requirements, and features shown above are for illustration purposes only and are subject to change without notice. Actual rates and terms may vary based on credit score, loan amount, property type, occupancy status, and other factors. These examples do not constitute a commitment to lend or an offer of credit. Contact Joe Garza for a personalized rate quote based on your specific financial situation. All loans are subject to credit approval and program guidelines.

From application to keys in hand — fast, transparent, data-driven

Join clients who locked in better rates by comparing options.

Rated 5.0 from 153 reviews on Google

"I recently had the pleasure of working with Joe Garza at Olympus Home Loans in Arizona, and I couldn't be more thrilled with the exceptional service and expertise he provided throughout the entire home loan process. With over 15 years of experience in the industry and the fact that he owns Olympus Home Loans, I knew I was in the best hands possible. Thanks to Joe Garza and Olympus Home Loans, I am now a proud homeowner."

Joseph Martinez

Google Review • September 2023

Join 153+ happy homeowners who chose Olympus Home Loans

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NMLS 262446 | Company NMLS# 1673089 | Arizona Mortgage Broker License: AZ-MB-0944861 | California DBO: 60DBO 77245 | Florida Mortgage Broker License: MBR4791

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• Olympus Home Loans Small Logo

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About

What Sets Us Apart

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LOAN PROGRAMS

With years of experience helping families achieve their homeownership dreams, Joe brings a winning combination of strategic expertise and genuine care to every transaction. Whether guiding first-time buyers through their initial purchase or helping seasoned investors expand their portfolios, his commitment to personalized service ensures each client feels confident and informed every step of the way.

Outside of the office, you'll find Joe embracing life with the same competitive spirit and enthusiasm he brings to lending. A passionate Michigan Wolverines fan, he brings that championship mentality to every loan he structures. When not cheering on the Wolverines, Joe enjoys staying active on the golf course, the pickleball court, and exploring Arizona's beautiful hiking trails. He's also a dedicated foodie who loves discovering new restaurants and sharing great meals with family and friends.

This balanced approach to life combines professional excellence with personal passion, making working with Joe a truly rewarding experience. Ready to achieve your homeownership goals? Let's connect and make it happen.

Ready to take the next step? Reach out for a free consultation and personalized rate quote.

NMLS 262446 | Company NMLS# 1673089 | Arizona Mortgage Broker License: AZ-MB-0944861 | California DBO: 60DBO 77245 | Florida Mortgage Broker License: MBR4791

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Schedule a free consultation and will help you find the perfect program.

NMLS 262446 | Company NMLS# 1673089 | Arizona Mortgage Broker License: AZ-MB-0944861 | California DBO: 60DBO 77245 | Florida Mortgage Broker License: MBR4791

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NMLS 262446 | Company NMLS# 1673089 | Arizona Mortgage Broker License: AZ-MB-0944861 | California DBO: 60DBO 77245 | Florida Mortgage Broker License: MBR4791

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FHA Loans

FHA Loans

FHA Loan Requirements

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Your Gateway to Homeownership

Achieve your dream of homeownership with as little as 3.5% down. FHA loans offer flexible credit requirements and government backing, making them perfect for first-time homebuyers.

FHA loans have more flexible requirements than conventional loans, making homeownership accessible to more people.

*Subject to AUS Approval

Down payment can come entirely from gift funds from family members.

FHA loan limits vary by area. Here are the current 2026 FHA loan limits by area type.

See how FHA loans compare to conventional mortgages and why they might be the perfect choice for your homebuying journey.

Get answers to the most common questions about FHA loans

Let us help you navigate the FHA loan process and find the perfect home financing solution.

NMLS 262446 | Company NMLS# 1673089 | Arizona Mortgage Broker License: AZ-MB-0944861 | California DBO: 60DBO 77245 | Florida Mortgage Broker License: MBR4791

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VA Loans

VA Loans

VA Loan Eligibility Requirements

Veterans

Active Duty

Guard & Reserves

Certificate of Eligibility (COE)

How to Get Your COE

Required Documentation

Exclusive VA Loan Benefits

Frequently Asked Questions

Honor Your Service

LOAN PROGRAMS

For Those Who Served

Honor your service with VA home loans designed for veterans, active military, and eligible spouses. $0 down payment, no PMI, and competitive rates to help you secure the home you have earned.

Determine if you qualify for this valuable benefit based on your military service history.

Must have completed required training and meet other service requirements.

Your COE proves to lenders that you are eligible for a VA-backed loan. We will help you obtain it quickly.

Take advantage of these powerful benefits earned through your military service.

Get answers to common questions about VA loans and benefits

Let us help you take advantage of the VA loan benefits you have earned through your service.

NMLS 262446 | Company NMLS# 1673089 | Arizona Mortgage Broker License: AZ-MB-0944861 | California DBO: 60DBO 77245 | Florida Mortgage Broker License: MBR4791

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Conventional Loans

Conventional Loans

Conventional Loan Requirements

Credit Score

Down Payment

Debt-to-Income Ratios

2026 Conventional Loan Limits

Private Mortgage Insurance (PMI)

When PMI Is Required

PMI Removal Options

Frequently Asked Questions

Ready to Get Started?

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The Flexible Choice

The most popular home financing option in America. Flexible terms, competitive rates, and the traditional mortgage solution trusted by millions of borrowers.

Conventional loans offer flexibility with competitive requirements for qualified borrowers.

Lower DTI ratios typically qualify for better interest rates and terms.

Understanding loan limits helps determine which conventional loan type fits your purchase price and property type.

Understanding PMI helps you make informed decisions about down payments and monthly costs.

Explore your conventional loan options and find the perfect financing solution for your home.

NMLS 262446 | Company NMLS# 1673089 | Arizona Mortgage Broker License: AZ-MB-0944861 | California DBO: 60DBO 77245 | Florida Mortgage Broker License: MBR4791

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USDA Loans

USDA Loans

USDA Loan Requirements

Location & Property

Income & Credit

Fees & Insurance

USDA Loan Benefits

Frequently Asked Questions

Check Your Eligibility

LOAN PROGRAMS

Rural & Suburban Homeownership

Zero down payment financing for eligible rural and suburban homebuyers. USDA loans offer some of the best terms available for qualifying borrowers and areas.

USDA loans have specific eligibility criteria based on location, income, and property type.

Lower fees compared to FHA and conventional PMI.

Discover the advantages that make USDA loans one of the most affordable home financing options.

Find out if you qualify for zero-down USDA financing. Free eligibility check with no credit impact.

NMLS 262446 | Company NMLS# 1673089 | Arizona Mortgage Broker License: AZ-MB-0944861 | California DBO: 60DBO 77245 | Florida Mortgage Broker License: MBR4791

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Jumbo Loans

Jumbo Loans

Jumbo Loan Requirements

Credit & Income

Down Payment

Loan Amounts

Jumbo Loan Benefits

Frequently Asked Questions

Ready for Premium Financing?

LOAN PROGRAMS

Luxury Home Financing

Financing for luxury properties and high-value homes that exceed conventional loan limits. Competitive rates and flexible options for discerning borrowers.

Jumbo loans have specific requirements designed for high-value property financing.

Higher loan amounts may be available for exceptional borrowers.

Premium financing solutions with features tailored for high-value property purchases.

Get personalized jumbo loan options with competitive rates for your luxury property purchase.

NMLS 262446 | Company NMLS# 1673089 | Arizona Mortgage Broker License: AZ-MB-0944861 | California DBO: 60DBO 77245 | Florida Mortgage Broker License: MBR4791

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Va Funnel

Taking you to your VA Loan application...

Please wait while we load your secure application

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Privacy Policy

Privacy Policy

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is committed to protecting your personal information and maintaining your trust.

Last Updated: March 19, 2026

This Privacy Policy describes how ("we," "our," or "us") collects, uses, discloses, and protects your personal information when you visit our website or use our services. We are committed to safeguarding your privacy and ensuring the security of your personal information in compliance with applicable laws and regulations, including the Gramm-Leach-Bliley Act (GLBA) and other federal and state privacy laws.

We may collect the following types of information:

We use your personal information for the following purposes:

We may share your information with:

Important: We do not sell your personal information to third parties for their marketing purposes.

We implement appropriate technical, administrative, and physical security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include:

While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.

Depending on your state of residence, you may have the following rights regarding your personal information:

To exercise these rights, please contact us using the information provided in the "Contact Us" section below.

We use cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and personalize content. You can control cookies through your browser settings. However, disabling cookies may affect the functionality of our website.

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Our website may contain links to third-party websites, including the NMLS Consumer Access website and social media platforms. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately so we can delete the information.

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The updated policy will be posted on this page with the revised "Last Updated" date. We encourage you to review this policy periodically.

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NMLS 262446 | Company NMLS# 1673089 | Arizona Mortgage Broker License: AZ-MB-0944861 | California DBO: 60DBO 77245 | Florida Mortgage Broker License: MBR4791

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