A Home Loan Built Around You From Day One
Committed to people first.
Buying a home is personal, your loan should be too. With years of experience guiding buyers through the mortgage process, Josh Garner brings steady expertise and clear direction to every step. Josh believes the experience should feel personal, not transactional, and he prioritizes understanding your goals, your timeline, and what matters most to you.
Licensed Mortgage Professional
Garner Mortgage LLC NMLS # 2815864
Garner Mortgage believes that getting a mortgage doesn’t have to be stressful. Josh takes the time to understand your situation, walk you through every option, answer every question you might have, and recommend only what genuinely makes sense for your life.
Josh is passionate about helping people make Oregon their home, and feels lucky to call Central Oregon home himself and wants the same opportunity for others.
He loves guiding clients who are drawn to the skiing, trails, craft beverage scene and welcoming community, and takes pride in helping clients put down roots in a place He truly values.
280+ Loans Funded
$115,000,000+ Million In Loan Volume
327+ Families Served
5* Client Rating
40+ Lending Partners
280+ Loans Funded $115,000,000+ Million In Loan Volume 327+ Families Served 5* Client Rating 40+ Lending Partners
What We Offer
Specializing In:
First-Time Home Buyers
Real Estate Investors
Relocations
-
If you are buying a home, a purchase loan provides the financing needed to complete the purchase. If you already own a home, refinancing allows you to replace your current mortgage with a new one. Many homeowners refinance to secure a lower interest rate, reduce their monthly payment, shorten the length of their loan, or access equity they have built in their home.
-
First time home buyer loans are created to help people purchase their first home with more accessible financing options. These programs often include lower down payment requirements and more flexible credit guidelines. They are designed to make the path to homeownership more manageable for buyers who are entering the housing market for the first time.
-
Construction and renovation loans are designed for people who want to build a new home or improve an existing one. These loans can help cover the cost of construction, remodeling, or major upgrades. Some programs allow you to combine the purchase of a home and the renovation costs into a single loan, making it easier to finance improvements while increasing the future value of the property.
-
Investor loans are for individuals who are purchasing property as an investment rather than as a primary residence. These loans can be used for rental homes, vacation rentals, or other income producing properties. They are structured to help investors build long term wealth through real estate.
-
Reverse mortgages are available to homeowners age sixty two and older who want to access the equity they have built in their home. Instead of making monthly mortgage payments, the homeowner receives funds from the loan while continuing to live in the home. The loan is typically repaid when the home is sold, the homeowner moves out, or the homeowner passes away.
Josh prides himself in making the home financing process smooth, clear, and approachable.
Let him help you turn your Oregon dream into reality.
What People Are Saying
-
Josh did a fantastic job helping my wife and I get into a new house! My profile was a bit of a mess, but Josh and his team kept me informed and feeling confident through the entire process! I would 100% and confidently recommend Josh and his team to anybody through the house buying process! They were quick and handled our situation very professionally! Very happy with my service and the outcome of our loan!
— Corbyn & Katie H, Bend OR
-
Josh and his team were super easy to work with. They made buying a house way too easy. They were always available to answer my many questions. Very professional. I would recommend it to my friends and family. Thanks Team Garner!
— Merrit G, Bend OR
-
From our first interaction, Josh's professionalism and warmth were evident. His communication was exceptional - always prompt, clear, and thorough. Whether it was explaining complex financial terms or updating us on our application status, Josh ensured we were always in the loop. What truly sets Josh apart is his genuine interest in his clients. He took the time to understand our goals, and our concerns. This personal approach allowed him to provide tailored advice and solutions that perfectly fit our needs.
— Ali & Tim S, Bend OR
When you work with Josh, you can expect a process that feels clear, simple, and steady from start to finish. He is known for being a calm, consistent voice in what can often feel like a stressful home-buying experience, offering thoughtful guidance and strategic insight every step of the way. His approach is rooted in strong communication and genuine relationships, ensuring there are no surprises and that every decision is made with clarity and confidence.
Whether a client is nervous about a first home purchase or carefully evaluating a long term investment strategy, Josh walks alongside them, explaining the numbers, anticipating potential obstacles, and helping them make decisions they will feel good about for years to come. He truly values the educational side of his work, from guiding clients through their first offer to discussing high level tax strategies on investment properties designed to build lasting, generational wealth.
Goal-Focused. Clear. Client-Centered.
-
Josh talks through your goals, timeline, and financial picture. No commitment required. Just a clear picture of what's possible and what to expect.
-
Josh compares your loan across 40+ lending programs to find the rate and structure that fits your budget today and your goals down the road.
-
Josh’s team guides you through every document, keeps things moving, and makes sure nothing falls through the cracks. You'll always know where things stand.
-
Josh’s team handles lender communication end-to-end. You show up to closing day informed, confident, and ready to get your keys.
Your Questions, Answered
-
Josh works on behalf of his clients rather than a single institution. This allows him to shop a loan across dozens of lenders, comparing rates and terms to find a solution that best fits each client’s goals, rather than being limited to one bank’s offerings.
-
The initial consultation is completely free and there are no upfront fees for clients to begin the conversation and explore their options. Due to our streamlined no-frills approach, you’ll find that Garner Mortgage rates and fees are far lower than the competition.
-
Most transactions close within 20-35 days. Being a small company, we can give our full attention to deals that need to get across the finish line fast.
-
Working with first time homebuyers is one of Josh’s favorite parts of the job. He takes the time to explain every term, detail, and step in the process so clients feel informed, prepared, and fully confident in what they are signing.
-
Through a network of more than 40 lenders, Josh offers access to a wide range of loan options, including Conventional, FHA, VA, USDA, Jumbo, and many other specialized programs. His goal is always to match clients with the structure that best supports their long term plans.
