Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Garden City Mortgage is committed to helping you find the right mortgage for your needs. We understand that every borrower is different and therefore we offer a variety of products to meet your individual needs. We make the process of securing a mortgage simple and straightforward by using the latest technology which enables you to make sound financial choices.We can get you approved quickly.
Broker vs. Banker - People often confuse the two. It is important to understand the difference. You should think of a mortgage broker as a "Wholesaler" and a bank as a "Retailer". When purchasing consumer goods, most people know the difference between purchasing something "Wholesale vs. Retail". Wholesale is less expensive. Mortgage brokers don't have the overhead and expenses of large banks, so we can obtain your financing for less and pass the savings on to you in the form of lower rates and fees. Mortgage brokers have the ability to "shop" your loan to many lenders with just one application and credit report. We make them compete for our business. We can get a lower rate and fees from the same bank that you apply to directly. THE SAME BANK ! This is because of their higher overhead and expenses, so it is not profitable for them to offer you a loan at the lower rate. When you apply directly with a bank, you will only get "their lowest rate", not the lowest rate available, so your choices are limited with a bank.
We will analyze your financial profile to determine which lender has the best product and rate for your needs. We will submit your application to one or more lenders and work with the lender until the loan closes. We also deal directly with any problems or issues that develop during the process. A professional mortgage broker will resolve a problem before you even know it exists. This removes a lot of stress from you during the process. Make no mistake, there is a lot involved in the mortgage process, and we are here to help guide you through it. We know the answers to all the questions.