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Joshua Gardner

Joshua Gardner

Part Time Loan Originator

NMLS: #112313

Nice to Meet You!

My name is Joshua Gardner, and I am a Part Time Loan Originator with Goldwater Bank. My role as your mortgage lending professional is to provide the best financial solutions to meet your unique needs. I take great pride in making each and every Goldwater Bank experience a pleasurable one. The entire team and I put the needs of our clients first, and we depend on our collective knowledge and expertise to provide a uniquely collaborative banking and lending experience. Purchasing a home is an exciting and momentous step in life that is full of many decisions, big and small. Finding the right partner to walk with you and help you navigate the homeownership process allows you to focus on what’s truly important—achieving your homeownership dream. Goldwater Bank—with its dedicated nationwide team of mortgage professionals ready to offer you the best products, the best services, and a deep bench of operational and technological support—is a great place to start!
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Home Buying Programs

We cater to homebuyers with all types of needs. Whether you're a first-time buyer, moving up to your next home, buying an investment property, or preparing for your retirement, we have the products and expertise needed to make your experience smooth, seamless, and enjoyable! We work with real estate agents all over the country and can preapprove you for the ultimate negotiating power in today's competitive market.

Reach out to me today at 228.323.2782 or josh.gardner@goldwaterbank.com to find out how I and my dedicated team can supercharge your next purchase experience!

Build & Remodel

Whether you’re starting with raw land or an existing home, we’re experts in construction and remodeling financing. Goldwater Bank’s Construction Department offers streamlined one-time close construction products that take all the stress out of a complicated process. We have an entire dedicated team with deep experience who work with home builders from all over the country. We work directly with your builder or contractor from closing to completion.

Reach out to me today at 228.323.2782 or josh.gardner@goldwaterbank.com to find out how to make this process a breeze!

Refinance Options

Goldwater Bank offers a full spectrum of loan terms to lower your monthly payment or access your home’s equity to finance a large purchase or even your retirement. Our refinancing rates and terms are very competitive and our mortgage professionals can help you determine the right solution for your needs.

Reach out to me today at 228.323.2782 or josh.gardner@goldwaterbank.com and I can walk you through all your options to put your home’s equity to work!

Conforming Jumbo Home Loans

Our menu of loan programs is designed to meet the needs of all loan sizes: from small to extra-large, and, yes, even XXL! From starter homes to oceanfront estates, we have loan terms that are very competitive that I can custom fit for your needs.

Reach out to me today at 228.323.2782 or josh.gardner@goldwaterbank.com to have a new home loan tailored just for you!

Federal Housing Administration

My dedicated team and I are experts at working with borrowers who wish to put as little money down as possible (or who get help with the down payment from their family). We offer a full suite of government-insured home loan programs, and we can even take advantage of grant programs to help you buy your first home without a down payment. Goldwater Bank is an approved FHA lender though not endorsed or sponsored by the Department of Housing and Urban Development (HUD) or any government agency.

Reach out to me today at 228.323.2782 or josh.gardner@goldwaterbank.com to go over all the programs and grants that you may qualify for!

Veterans Programs

We salute the courage and dedication of the American men and women and their service to our great country. In fact, we’re a veteran-owned institution and take a great deal of pride to employ and provide financing to many United States veterans. We offer a full line of loan programs insured by the U.S. Department of Veterans Affairs (VA) and can help you through the entire process. Goldwater Bank is an approved VA lender though not endorsed or sponsored by the VA or any government agency.

Reach out to me today at 228.323.2782 or josh.gardner@goldwaterbank.com to make sure you get the most out of your benefit eligibility.

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Joshua Gardner

Part Time Loan Originator

NMLS: #112313

About Me
Apply Now
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