Home loans made clear, from first call to closing.
Buying, refinancing, tapping your equity or financing a commercial property — Gary walks you through your options in plain language, so you can choose the loan that actually fits.
What are you looking to do?
Pick the path that matches your goal. Each one starts with a short questionnaire so Gary can come back with options, not guesses.
Buy a home
Find the purchase loan that fits your budget and timeline.
Get started →Refinance
Lower your rate or payment, or change your loan term.
Get started →HELOC
Flexible access to your home’s equity, borrowed as you need it.
Get started →Reverse mortgage
For homeowners 62+ turning equity into retirement income.
Get started →Commercial
Purchase, refinance or expand an investment or business property.
Get started →Trusted by the agents who send him their buyers
“Gary is nothing short of a life saver. Always ready to go above and beyond for each and every client. I use him as my top go to lender and all of my clients are always beyond satisfied with not only his supreme customer service but he always finds a way to give all of my clients the best rate!”
“As a realtor, having a reliable lender partner makes all the difference and Gary Krboyan is truly one of the best in the business. Every time I refer a client to Gary, I know they’re in excellent hands. He’s not only knowledgeable and responsive, but also incredibly patient and thorough in guiding buyers through every step of the loan process.”
A simplified, personal mortgage experience
Efficient, professional and personal — with the financing solution that fits your situation, not the one that’s easiest to sell.
Options compared side by side so you can see the trade-offs.
A direct line that reaches a person, and updates before you have to ask.
Conventional, FHA, VA, jumbo, USDA and specialty programs.
Apply online in minutes and upload documents from your phone.
Three steps to your new loan
- 1
Talk it through
Call or send a few details about what you’re planning. No pressure, no obligation.
Call (559) 545-1965 → - 2
Choose your loan
Review your options — rate, payment and cash to close — and pick the one that fits.
See loan programs → - 3
Apply and close
Complete the secure online application, and get clear updates all the way to the keys.
Start your application →
Mortgage calculator
An estimate only — exact terms are determined individually.
Excludes property taxes, homeowners insurance, HOA dues and mortgage insurance. Not a commitment to lend.
Estimate your monthly payment in real time
Adjust the home price, down payment, term and rate to see how your principal and interest change. It’s a starting point — Gary can add taxes, insurance and program-specific costs for a full picture.
- (559) 545-1965
- gary@lendergary.loans
- NMLS #2237669
Your trusted and reliable lender
Buying or refinancing a home can feel overwhelming. Gary Krboyan, MBA, is a Senior Mortgage Advisor who makes it simple: clear terms, honest advice and a payment you can manage.
Based in Fresno, Gary works with first-time buyers, move-up buyers, homeowners and investors across Clovis, Sanger and the Central Valley — and with the local agents who refer them.
- Conventional
- FHA
- VA
- USDA
- Jumbo
- First-time buyers
- Rehab
- Commercial
Common questions
Purchase and refinance loans including conventional, FHA, VA, USDA and jumbo, plus HELOCs, reverse mortgages for homeowners 62 and older, and commercial property financing.
It depends on the program and your situation. Some programs allow a low down payment, and VA loans can require none for eligible borrowers. Gary will walk you through what fits.
Yes. The secure online application takes a few minutes and lets you upload documents from your phone. You can also call to talk through your options first.
Gary is based in Fresno and works with clients across Clovis, Sanger and the wider Central Valley.
Ready to apply?
Start your secure application online, or call Gary to talk through your options first.