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

Your Mortgage Team

We come to work each day to help as many people as possible buy and finance homes, and refinance and save money. Each person on the team has a part to play in successfully closing as planned. From the loan originator preapproving your file, processing getting it ready for underwriting approval, underwriters approving loans, & the closing team providing closing documents & funding. We are working to help you get to the finish line to buy that new home or save that money!

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Garret S. Law


Team Leader

Nationally Ranked #1 Top VA Loan originator in the country - 2009 Licensed in 37 States. Garrett S. Law leads and manages the team. Since 2002 Garrett has been a nationally ranked Top Loan Originator dedicated to providing his clients with the best price, product, and service. Garrett structures and presides over your transaction to ensure your loan closes quickly and easily.

Emily Ankeman

Client Support

Approval Specialist

Emily is a specialist at working with customers through the process of gathering the documentation for the loan, pre-approval of the loan, and identifies potential problems with the loan early in the transaction. Her dedication to our veteran customers shows through in her hard work and the guidance she provides with the loan process.
 Dane Young

Dane Young

Client Support

Application and Document Specialist

Dane is your helping hand. Our goal is to make the loan process easy, and he will guide you through the application process with a patient, can-do attitude. Once your loan application is ready, he will work with you to ensure that it is completed correctly so that your loan can close smoothly.

No reason to wait