At Loan Garden we’ve helped hundreds of homeowners like you have the peace of mind that they received the lowest possible interest rate. We are so confident that we can beat any lender, we back it up with a $500 guaranty.*
It’s easy to find out if you got the lowest rate, and there’s no obligation. Just complete the form below and a Loan Garden team member will reach out to you and take care of the rest.
Check out this example of how much mortgage interest can be saved by a slightly lower rate.
A half of a point is a $24,000 savings, a full point is a savings of $48,000!
If you’d like to chat, feel free to give us a call at (855)306-4891. Or, click the button below to schedule a convenient time to speak with one of our experts
*Terms and Conditions: Lowest Rate Guarantee
At Loan Garden, we are dedicated to providing unbeatable mortgage rates and terms. We are so confident in our pricing that if you finalize a loan that we can’t beat with another lender, we would love to pay $1,500 for giving us a fair chance to still earn your business.
To be eligible to receive the $1,500, all of the following conditions must be met to ensure a fair and accurate comparison.
First, a quote must be provided from a competing lender which includes the following information:
The competing quote must be submitted to Loan Garden on the same day you receive it, and you must also request a written quote from us on that same day. This is to ensure that any differences in pricing can’t be attributed to changes in the market, so we’re able to do a fair comparison on pricing. If it’s clear the difference in pricing is a result of market changes of any kind, then the deal is no longer eligible for the $1,500 incentive.
2. Rate Lock Requirements:If you choose to move forward with another lender, you must provide a locked Loan Estimate (LE) within 48 hours of the rate being locked. This is to verify that the competing locked LE is still truly better than what we can offer at that time. If we are able to offer better pricing at that time, then the client may choose to accept the better terms with Loan Garden, but would no longer be eligible for the $1,500 incentive. All pages of the competing LE must be provided, with nothing cut off or missing to remain eligible..
3. Send Us Your Final Signed Closing Disclosure and Get Paid:When you close, send us a copy of your final signed Closing Disclosure (CD) within 48 hours (2 business days) after closing. So long as the pricing on that document matches the pricing on the initial quote and LE, we’ll issue you a check within 30 days and thank you again for giving us the chance to compete for your business.
Additional Terms and Conditions:
At Loan Garden, we take pride in our transparency, honesty, and competitive pricing. With access to a vast network of lenders and significant wholesale discounts, we are committed to helping you save money and simplifying your mortgage experience.
Aaron Hernandez made the jump into the mortgage industry in August 2022, bringing a diverse background that includes medical equipment sales and even teaching high school science. His ability to break down complex information and adapt to fast-paced environments has made him a natural fit in the world of home loans.
What Aaron loves most about his career is the dynamic nature of the industry—every day brings new challenges, opportunities, and chances to learn something new. He thrives on getting things done and making tangible progress for his clients, helping them move one step closer to their financial and homeownership goals.
Outside of work, Aaron stays active and engaged. Whether he’s hitting the gym, enjoying the outdoors, or dancing to Latin music, he’s always on the move. His energy, determination, and passion for learning are the same qualities that make him a trusted guide in the mortgage process.
Evan Walker has been helping clients navigate the mortgage world since 2015, bringing years of experience and a problem-solving mindset to every loan he handles. Before becoming a broker, he worked in solution consulting at America’s largest mortgage company, giving him a deep understanding of how to structure loans that truly benefit his clients and solve for potential issues before they arise.
For Evan, the best part of his job is helping people achieve their dreams—whether that means buying their first home, refinancing for a better financial future, or simply creating more breathing room in their budget. He knows that homeownership is about more than just a mortgage; it’s about security, comfort, and building a better life.
When he’s not working hard for his clients, Evan enjoys spending time outdoors, whether it’s golfing, fishing, or hitting the slopes on his snowboard. Most of all, he loves quality time with his kids, making memories that matter both on and off the clock.
Sean Muscaro got his start in the mortgage industry in 2016 as a loan processor before making the leap to loan officer—a move that allowed him to work more closely with clients and help them achieve their homeownership goals. Whether it’s guiding a first-time buyer or finding creative financial solutions through refinancing, Sean thrives on helping people save money so they can focus on what really matters in life.
A problem solver at heart, Sean’s favorite part of the job is finding smart, strategic ways to help clients improve their financial picture. He knows that every situation is unique, and he takes pride in crafting solutions that make a real difference in people’s lives.
When he’s not working on mortgages, you’ll probably find Sean deep in a great history book, catching a game (he’s a huge sports fan), or watching a film—because in addition to being a mortgage expert, he’s also a bit of a movie buff. Ask him what he’s been watching lately.
With over a decade in the mortgage industry, Corinne Walker brings experience, leadership, and a passion for helping people achieve their homeownership goals. Before joining Loan Garden, she held leadership roles at America’s largest mortgage company, sharpening her skills in strategy, problem-solving, and client advocacy.
Many clients come to Loan Garden looking for solutions—whether they’re stuck in a frustrating mortgage process with another lender or struggling to manage their bills. Corinne takes pride in stepping in, finding a way forward, and turning stressful situations into success stories.
She believes the mortgage process should be as enjoyable as it is rewarding, and she brings warmth, energy, and a sense of fun to every client interaction. A mortgage may be a means to an end but there is no reason it can’t be fun and exciting along the way.
Outside of work, Corinne’s world revolves around her family. As a proud mother of two, she cherishes time spent with loved ones and understands the deep significance of finding the perfect home. Whether she’s helping clients or making memories with family and friends, Corinne approaches everything with heart and dedication.
Danielle Hardy jumped into the mortgage world in September 2014—just a week after her 23rd birthday—and hasn’t looked back since. From helping first-time homebuyers to guiding returning clients through refinances, she’s done it all. She even served as Vice President at two brokerages, leading recruiting, coaching, and marketing efforts.
What Danielle loves most about her job is the people. She knows the mortgage process can feel overwhelming, and she takes pride in making it as smooth (and even fun!) as possible. Whether it’s cracking a joke to lighten the mood or breaking down complex terms into plain English, she’s all about helping clients feel at ease.
Outside of work, Danielle is a creative soul. She has a love for photography, live music, and art, and she finds joy in caring for her plants. Lately, she’s been exploring a new passion – DJing Soul House Beats – so don’t be surprised if you catch her curating the perfect playlist when she’s not securing the perfect loan.
With a sharp eye for creative solutions and an unmatched work ethic, he pushes through challenges that others might see as impossible. Joe has nearly 15 years of industry experience and has been responsible for several thousand successful closings. His dedication to problem-solving and teamwork makes him a leader in the industry and a trusted advocate for his clients.
For Joe, mortgages aren’t just transactions—they’re opportunities to build lasting relationships. He thrives on going to bat for his clients, ensuring they get the best possible outcome while making the process smooth and stress-free. His commitment to collaboration and perseverance forms the foundation of Loan Garden’s philosophy.
As a founder of Loan Garden, Joe feels a deep responsibility to provide an incredible place to work and grow professionally. He knows that if the team is thriving, then Loan Garden’s clients will thrive too.
Outside of work, Joe enjoys music, spending time with family and friends, and hanging out with his beloved dog, Stella. Whether he’s helping a client secure the perfect loan or just enjoying good company, he brings the same passion and energy to everything he does.
With over 15 years of experience and more than 3,000 successful mortgage closings, Scott has worked on just about any scenario you can imagine. If it’s first-time homebuyers taking their first step toward their dreams, military veterans securing the benefits they’ve earned, or investors making big moves, he’s made it his mission to fight for the best rates, terms, and experience for every client.
Loan Garden was founded based on Scott and Joe understanding that mortgages really help people. Whether we’re buying our first home, refinancing to save money or improve loan terms, investing in real estate, or handling an important legal matter, the end result is what we’re looking for. That means the process should be fast, simple, easy, and stress free so we can move on to what matters most in life.
When he’s not helping clients achieve their homeownership dreams, you’ll find Scott skiing, hiking, or spending time with friends, family, and his mischievous dog, Clifford. He knows firsthand how important it is to have time for the things that matter most, and he brings that same philosophy to his work—helping clients get through the mortgage process smoothly and easily so they can focus on their next big adventure.
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At Loan Garden, we are so confident in our pricing that we’re offering you our Lowest Rate Guarantee. Comparing gives you peace of mind and if we can’t beat your lender’s interest rate, we’ll send you a $500 check. It’s that simple.
This is a free, no obligation, interest rate comparison.
It’s quick and hassle-free to see if you qualify. Simply follow the link below, fill out the quick form, and one of our Loan Garden mortgage experts will be in touch to take care of the rest.
Fill out the form below, and we will be in touch shortly.