Joe Garner

NMLS #130800

Knowing when and where to start the homebuying process is an important step to finding your dream home. Let's make the journey to homeownership seamless and rewarding by taking advantage of SoFi's exclusive rate discounts, close-on-time guarantee, and award-winning service with us.

Buy a home Refinance your mortgage

Why buy or refi with SoFi?

Close on time.

Rest assured knowing your loan will close on time, guaranteed—or we’ll give you $10K.‡ Your closing is my priority.

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Low down payment options.

Both first-time and repeat buyers can put as little as 3-5% down.* I’ll help you find the best option for your budget.

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Easy online application.

Our application is quick and easy, and I’ll be your dedicated Mortgage Loan Officer, guiding you every step of the way.

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SoFi has helped over 130,000
people buy their dream home.^{^}

I truly can't speak highly enough about Joe. From start to finish, Joe answered my questions daily. His quote was precise, unlike other lenders who were way off. I felt fully informed and trusted him completely. We will definitely use him again and h...

This is our second mortgage with Joe and the process has always been seamless. He's very responsive and got us funded quickly. I would highly recommend working with Joe and his team....

Incredible lender. Very helpful and truly wants best outcome for clients. Available all hours and weekends for assistance. Highly recommend Joe especially if you are a first time Home buyer...

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