LowVARates is not affiliated with any government agencies, including the VA, FHA, or the HUD. VA lender ID #9797520000.

Garrett Law NMLS#: 20750 – Mortgage Expert

For several years now, Garrett Law and Low VA Rates, LLC have dominated the ranks of the Top Loan Originators as published in the Scotsman' Guide (a National mortgage industry publication). We have proven we can be relied upon to help clients achieve their goals. As a lender, we work your loan from start to finish. This means we originate, process, approve, and fund your loan. If needed, we can also broker your loan to another institution to get it approved. Thus, our business model provides the stability and flexibility needed to get your loan closed.

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Our Home Loan Purpose

We help clients to refinance and save money and buy and finance homes. The lending process can be confusing, strenous, & costly. We have organized to make the process clear, easy, and a great value. Our goal is to earn your trust such that you recommend our service to all of your friends and fmaily. We remain committed to serving our clients & being that one trusted source that can perform beyond or competitors.

Professional Mortgage Advice

Experience in all Loans
VA Loan Expert

TOur business model, company culture, and focus has been on serving the U.S. Veteran Community by providing VA Loans. Although this is our focus, we are also able to provide virtually all types of home loans. We are the best source for VA, FHA and Conventional loan programs. We understand how these transactions need to be structured to be successful in underwriting to obtain the goal of a closed loan and satisfied customer.

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What Makes Us Great

We believe we have the best and most qualified staff in the business. They are one of our greatest resources. In addition to quality people, we have invested in the best technology allowing us to track and manage each transaction from the beginning to completion. All tasks have been automated allowing the Loan Officer to focus on the hurdles and details of closng your transaction, allowing you to focus on your production.

Garret Law

Garret S. Law

Team leader
Emily Ankenman

Emily Ankenman

Approval Specialist
Dane Young

Dane Young

Application and Document Specialist

happy clients


EXPERT advisor


Awards winning



Licensed Nationwide

Holding a license in most of the United States provides many advantages. Our clients typically relocate to other markets and have family and friends in others. Thus, we can maitain relationships with family and friends and perform when needed. You can count on our stability and plan for a long-term relationship.

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