Garden City Mortgage offers low cost mortgages at very competitive rates. We have the ability to shop your loan to a large number of lending institutions that offer wholesale rates and programs that may not be available through a commercial bank. One application, one appraisal and one credit report is all it takes to get the best rate. When you go to a commercial bank and ask for a mortgage rate, you will only get that banks lowest rate. A mortgage broker finds the lowest rate available from many banks.   

We specialize in the following areas: 

• Conventional Program: For people with good credit that want the best rate available. 
   

• Cash Out Program: This is a program where you use the equity accumulated in your home for other needs, such as: tax payments, medical bills, college tuition, debt consolidation, home improvements, swimming pools, patios or deck, new car or boat, vacations, weddings, honeymoons, marital buyouts and deed transfers. There are funds available for almost any purpose.  
   
  

• Bad Credit Program: For people with credit problems that may range from several late payments, charge offs and judgments to tax liens, foreclosure and bankruptcy. We have lenders that offer special programs for individuals with this type of credit. 
   
  

• No Doc Program: For people in business that don’t receive a regular paycheck or W2 or are unable to document their income for whatever reason.   
  
  

• Small down payment Program: For people that don't have a lot of money saved for a down payment or closing costs.

We also have programs for commercial and investment property transactions.