1 (617) 276-2830 chris@cityviewterraces.com

certainty home loans
offering 0.5% towards closing costs!

Joseph Garner
Branch Manager/Sr. Loan Officer

Joe Garner is a highly respected loan officer with over 15 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. With a vast knowledge of mortgage products he will review your goals and budget, and choose the right mortgage product to meet those goals.

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.  Please feel free to browse the website to look at mortgage calculators, and other loan tools.  Feel free to complete the online application, and Joe will get with you to schedule a time to review, and create options for your budget, and financial plan. 

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. HE is also highly involved with local charities – Do not forget to ask him about how he donates $250 to the charity of your choice at closing.

NMLS# 130800
Office: 704.246.0120
Cell: 704.999.0342
10800 Sikes Place #110, Charlotte, NC 28277