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Joe Garner

Producing Branch Manager

NMLS: 130800

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10800 Sike Pl, Ste. 110
Charlotte, NC 28277




North Carolina, South Carolina


(866) 499-2968

About Joe

Joe Garner is a highly respected loan officer with 16 years of experience (10 years in management) in the North 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 10 years and has 7-year-old twins. In his spare time, he coaches baseball and is involved with the local men’s golf association.


Area of expertise

Conventional Loan
Conventional Loan
One of the most popular financing options out there that can offer great rates to those who qualify.
FHA Loan
FHA Loan
A popular option for first-time homebuyers with a low down payment and flexible qualifying criteria.
Jumbo Loan
Jumbo Loan
When you need a bigger loan for your dream home.
VA Loan
VA Loan
Offering a variety of benefits to make homeownership accessible to those who have served our nation. 
An affordable loan option for those seeking a rural location with flexible qualifying criteria.

What Customers are Saying

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