Garner is a highly respected loan officer with 17 years of experience (10 years in management) in the North Carolina and South Carolina mortgage industry. In addition to his vast knowledge of home loan products, he uses his B.S. in Psychology to better understand the financial needs of each client.

Joe’s determination to find a solution to every financial scenario that he encounters is what sets him apart from other mortgage professionals. Joe specializes in first-time home buyer programs, conventional fixed-rate mortgage loans, jumbo mortgages, USDA home loans for rural areas, and VA home loans for veterans and active military.

Focused on providing a simplified and transparent loan process, Joe gives each borrower personalized attention by making the time to respond promptly to each person’s questions. By treating each person like family, his goal is to have every client leave with a smile and the confidence that they’ve made the correct financial decisions for their family’s future.

Joe has been married for 12 years and has 9-year-old twins. In his spare time, he coaches baseball and is involved with the local men’s golf association.

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Joe Garner – Branch Manager/ Sr. Loan Officer – NMLSR # 130800 NC License # I-146231 SC # MLO-130800 | Certainty Home Loans, LLC, NMLS 2146. For licensing information, go to: www.nmlsconsumeraccess.org. Headquarters: 6860 Dallas Pkwy Suite 450/455, Plano, TX 75024 – ph. (866) 599-5510 | Certainty Home Loans’ policy is to treat all applicants and borrowers in a fair and consistent manner and without regard to race, color, religion, national origin, age (provided the applicant or borrower has legal capacity to enter into a binding contract), sex, marital status, disability, familial status, receipt of public assistance, or exercise of rights under the Consumer Credit Protection Act, or any other prohibited basis identified under state law. This is not a commitment to lend. Program restrictions apply. Equal Housing Lender. Licensed by the Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Lending Act RMLA #41DBO-81462; Georgia Residential Mortgage Licensee #19715; Kansas Mortgage Company License MC.0025308; Licensed by the N.J. Department of Banking and Insurance; Registered under Texas SML Mortgage Banker Registration; Virginia State Corporation Commission Lender/Broker License #MC-5707. | Privacy Center | CCPA Privacy Policy | GLBA Privacy Policy | Exercising Access, Data Portability, and Deletion Rights – For California Residents only | © 2021 Certainty Home Loans, LLC. All Rights Reserved.

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1087 Reviews

Joe Garner went above and beyond all expectations. I am forever grateful for Joe and his A-Team!

November 17, 2021 3:59 pm

5^{/ 5}

Joe Garner went above and beyond all expectations. I would not have my dream home without him. I highly recommend Joe Garner. He is very professional while also being personable. My closing date changed 7 times, resulting in arduous tasks for his team and for me. Joe patiently walked me through the process and took additional measures to assist me with the subsequent autonomic dysregulation I experienced. I am forever grateful for Joe and his A-Team! ~ Kim Honeycutt from Davidson, NC ~

Joe Garner

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Joe Garner went above and beyond all expectations. I am forever grateful for Joe and his A-Team!

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