25+ Years of Mortgage Experience with Texana Bank
Mortgage Guidance Built Around Your Goals, Budget, and Plans.
Buying a home or refinancing should feel clear, not overwhelming. With 25+ years in residential lending, Damian Garbiras helps buyers and homeowners understand their financing options and choose a path that fits their goals. Whether you're purchasing your first home, moving, refinancing, or exploring your equity, you'll get personal guidance, straightforward communication, and support through every step, from application to closing, with the strength and stability of Texana Bank behind you.
Have Mortgage Questions?
Get clear answers about your mortgage options, next steps, and the home financing process. Damian is here to help you understand your choices and move forward with confidence.
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Unlock Your Dream Home with Our Mortgage Solutions.
Meet Damian
Your Mortgage Partner, Backed by 25+ Years of Experience
With 25+ years in residential lending, Damian Garbiras helps homebuyers and homeowners understand their financing options and move forward with confidence. Whether you’re buying your first home, moving, refinancing, or exploring your home equity, Damian provides personal guidance and clear communication from application through closing.
WHY WORK WITH DAMIAN?
Mortgage Guidance Built
Around You
Home Purchase
Refinance & Equity
Flexible Financing Options
25+ Years of Experience
Purchase & Refinance
Personal Guidance
A Clearer Path to Your Next Move
Mortgage decisions can feel complicated. Damian helps you understand your options, compare potential paths, and take the next step with confidence, whether you're buying a home, refinancing, or exploring your home equity.
Financing options built around your goals and situation.
Clear guidance from application through closing.
Straightforward answers without the mortgage jargon.
MORTGAGE SOLUTIONS
Financing Options for Every Step of Your Journey
Whether you're buying, refinancing, or exploring your home equity, Damian will help you understand the financing options available and find a path that fits your goals.
Home Purchase
Financing guidance for first-time and experienced homebuyers, with support from application through closing.
Personal Guidance: Understand your financing options.
Clear Next Steps: Know what to expect throughout the process.
Ongoing Support: Guidance from application to closing.
Refinancing
Explore whether refinancing may support your current financial goals and homeownership plans.
Review Your Goals: Discuss what you want to accomplish.
Explore Options: Understand available refinancing paths.
Personal Guidance: Get answers before deciding your next step.
VA Home Loans
Mortgage guidance for eligible veterans, active-duty service members, and military families pursuing homeownership.
Veteran-Focused Guidance: Work with someone who understands military borrowers.
Purchase or Refinance: Explore available VA financing paths.
Experienced Support: Damian is a U.S. Marine veteran himself.
Down Payment Assistance
Explore available assistance options that may help eligible homebuyers with upfront homeownership costs.
Explore Programs: Learn about potential assistance options.
Understand Eligibility: Review your situation with Damian.
Plan Your Purchase: Understand possible next steps.
Temporary Rate Buydowns
Learn how temporary rate buydown options may affect initial mortgage payments on an eligible home purchase.
Understand the Structure: Learn how temporary buydowns work.
Review Your Options: Discuss whether one fits your situation.
Ask Questions: Get clear guidance before moving forward.
Home Equity & HELOC
Explore ways your home's equity may help support renovations, major expenses, debt consolidation, or other financial goals.
Explore Your Equity: Understand potential financing options.
Discuss Your Goals: Start with what you want to accomplish.
Compare Paths: Talk through possible next steps with Damian.
how it works
A Simple Path to Getting Started
Connect With Damian
Share your home financing goals and get answers to your initial questions.
Start Your Application
Complete Damian's secure mortgage application when you're ready to move forward.
Move Toward Closing
Stay informed and supported as your loan moves through the process toward closing.
LET'S GET STARTED
Tell Us About Your Mortgage Goals
Whether you're buying a home, refinancing, or exploring your options, tell us a little about what you're looking for. Damian Garbiras will help you understand your next steps and available financing options.
WHAT CLIENTS SAY
Angiebackeast. Knoxville, TN
Damian was a wonderful lender to work with. He kept up everything that was needed, stayed in contact with us thru the whole process. We couldn't be happier!
25+ Years in Residential Lending
Damian has spent more than 25 years in residential lending, helping thousands of individuals and families pursue homeownership while serving in both leadership and hands-on mortgage origination roles.
Frequently Asked Questions
How do I know which mortgage option is right for me?
The right mortgage depends on factors such as your financial situation, homeownership goals, down payment, and how long you plan to own the property. Damian can help you understand available options and discuss which paths may fit your situation.
How much home may I be able to afford?
Your potential buying power depends on several factors, including income, debts, credit profile, available funds, and the loan program. Damian can review your situation and help you understand the financing options available to you.
What do I need to start a mortgage application?
The information and documents needed can vary by borrower and loan program. You may be asked for details about your income, employment, assets, debts, and identification. Damian will help explain what is needed for your specific situation.
How long does the mortgage process take?
Timing varies based on the loan program, property, documentation, appraisal, underwriting, and other factors. Damian will keep you informed throughout the process and help you understand what comes next.
Do you work with veterans and active-duty service members?
Yes. Damian is a U.S. Marine veteran with extensive residential lending experience and a strong commitment to serving veterans, active-duty service members, and military families. He can help eligible borrowers understand VA home loan options and the mortgage process.
Are down payment assistance options available?
Down payment assistance programs may be available to eligible homebuyers depending on factors such as location, program requirements, and borrower qualifications. Damian can help you explore potential options and understand applicable eligibility requirements.
* All products may be subject to credit check and other approvals.
** Investment services are not FDIC-insured, not a deposit, not bank guaranteed, not insured by any federal government agency, and may go down in value.
NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS
*REMLO is a trademark of Texana Bank. Texana Bank does not operate as, and is not endorsed, sponsored, or otherwise associated with any Real Estate Brokerage.
Damian Garbiras is a mortgage loan originator with Texana Bank.
Damian Garbiras | NMLS #149889
By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category. For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit: https://www.fdic.gov/deposit.
