Get to know Garvin
What Makes Me Stand Out With over 15 years of experience in mortgage underwriting and loan origination, I bring deep expertise and a steady hand to every transaction. I'm licensed in both Florida and Georgia, allowing me to serve a diverse range of clients across the Southeast with precision and care. What sets me apart is my commitment to clarity, education, and client empowerment. Whether you're a first-time homebuyer or navigating a complex multi-state transaction, I make sure you understand
Why choose Garvin?
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Questions? Garvin has answers.
We prompted questions to Garvin so you can learn more about their skills, preferences, and availability.
I’m licensed in both Florida and Georgia, and I regularly assist clients purchasing homes outside their current state of residence. My process is designed to be seamless and remote-friendly.
Typical lender fees include origination, appraisal, underwriting, and credit report costs—usually totaling 2–5% of the loan amount, depending on lender and loan type.
Clients typically need ID, income docs (pay stubs, W-2s), bank statements, and credit info to begin the mortgage process. I provide a full checklist to guide them.
I guide clients through credit reports, help dispute errors, suggest debt reduction strategies, and connect them with trusted credit counseling resources to boost scores before applying.
Clients can expect clear communication, step-by-step guidance, and proactive support from application to closing. I simplify the process, anticipate challenges, and keep everything on track.