I am a mortgage consultant who has 15 years of lending experience. My goal is to use this knowledge to serve others and be a blessing, while providing for those I love, as well as those in need.  The decision to buy or refinance an existing home is a major decision that requires discernment and wisdom.  Choices made in this area play an important role in terms of your long term financial health. I take great joy in helping you understand and feel comfortable with the entire process.

Buying a new home can be a source of anxiety, frustration -- as well as a huge sense of accomplishment. You didn't pick the house that was best for someone else, you picked the one that's right for you! As a mortgage professional, I will find the mortgage program that best fits your needs. "Less paperwork and more personal attention" means you have a better opportunity for a frustration-free experience from application to funding. Getting the right mortgage loan is a crucial part of the overall experience and joy of long term home ownership! I would be honored to help you on that journey.

Refinancing your current mortgage has never been easier. If you thought refinancing meant getting buried under mountains of paperwork, think again! I will do my best to make it easy and worry-free. My sole objective is to ensure you are in the very best financial situation available given your unique circumstances!

Accessing your home equity can be a valuable tool to accomplish your goals. If circumstances require, you may decide to exercise stewardship over this asset. I am more than happy to help find the best program to fit both your short term, as well as your long term goals.

My goals is to give you the personal attention you deserve and treat you with the respect due a valued friend. I understand that making a decision to move forward in buying a new home or refinancing an existing mortgage is an important decision. So I make a commitment to you! I will help you qualify, apply and be approved for the right mortgage loan for you.

Best Regards and Blessings,

Troy B. Gardner