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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Garrett S Law

Mortgage Originator

Team Leader

Nationally Ranked #1 Top VA Loan originator in the country - 2009 "Scotsmans Guide" Licensed in 41 States. Garrett leads and manages the team. Since 2002 Garrett has been a nationally ranked Top Loan Originator dedicated to providing clients with the best price, product, and service. Garrett structures and presides over your transaction to ensure your loan closes quickly and easily.

Erica Porter

Client Support

Loan Production Specialist

Erica is our specialist working with customers through the process of gathering the documentation for thestart of the loan, pre-approval of the loan, and identifies and communicates any additional documents or challenges we may have 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

Brandon St. Clair

Client Support

Application and Document Specialist

Brandon is your helping hand as we initially connect and listen to your goals to see how we can help you. He will gather basic contact, loan, and goal related information and ensure Garrett gets in contact to discuss solutions. 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 all needed disclosures get to you and will assign Erica to help get the application and documents back for processing. Ensuring that your loan can close quicky and  smoothly.

No reason to wait