Craig Gardner, Mortgage Loan Officer, NMLS 2326071

If you feel that a Manufactured is a better fit for you at this time, then please reach out to me. I have great programs for Manufactured Homes!

251-243-1425

Company NMLS # 2017384

Having a formal pre-approval when putting an offer on your dream home will give security to the Seller that you are not only qualified but serious about your offer. There are 3 things that I will need to give you a formal pre-approval.

1. 2 most recent paystubs
2. Last 2 yrs W-2's or 2 yrs Tax Returns if Self Employed
3. Last 2 months Bank Statements to verify money to close

That is it!!

Always available!!

Call me at 251-243-1425

NMLS #2326071
Company NMLS #2017384

Craig Gardner, Mortgage Loan Officer, NMLS 2326071 Mortgage Loan Officer for Homefront Lending, LLC serving Alabama for all your Mortgage needs

Having a formal pre-approval when putting an offer on your dream home will give security to the Seller that you are not only qualified but serious about your offer. There are 3 things that I will need to give you a formal pre-approval.

1. 2 most recent paystubs
2. Last 2 yrs W-2's or 2 yrs Tax Returns if Self Employed
3. Last 2 months Bank Statements to verify money to close

That is it!!

Always available!!

Call me at 251-243-1425

NMLS #2326071
Company NMLS #2017384

**To all CASH TIPPED EMPLOYEES**

To all my Service Industry friends that are looking to buy a home and create your own wealth! We have all heard the words "CASH IS KING"!! It is but NOT when you are trying to buy a home. We know that credit card tips are automatically claimed as income to the IRS and can be used as income BUT what about the cash tips. The more money you claim to the IRS the better chances you have on qualifying for a home loan. At the end of your shift, claim all of your tips as income.

Feel free to reach out to me with any questions. I would be honored to help you navigate through these waters.

Always available

251-243-1425


Company NMLS #2017384

***TO ALL MY FUTURE HOMEBUYING FRIENDS***

If you are looking to buy a house and create your own investment instead of paying rent for someone else's investment. Now is the time to really start navigating through your options. Interest rates are coming down a bit and the future, hopefully, looks good. Always remember to never worry about rate, pay attention to the payment and what you can afford and what you are comfortable with. The best card in your pocket is the ability to refinance when rates get lower and they will at some
time. Most homeowners refinance their home every 5 to 7 yrs to either lower their rate, consolidate bills, do home improvements, invest in additional properties or whatever. It is your investment to work the way you want it to.
I am here to help you navigate through it all.

Please contact me with any questions or concerns. Always available

251-243-1425

NMLS #2326071
Company NMLS #2017384

To all my friends out there renting their current residence and want to stop paying someone else's mortgage!! Buying a home is a great investment, now is the time to start looking at creating your own investment!!

Contact me and we can go over your options!

251-243-1425


NMLS #2326071

🏠❌🏠❌What NOT TO DO During The Home Buying Process once Pre-Approved 🏠❌🏠❌

🚧🚧Don't buy or lease anything with a motor....🚗🚙🏍

🚧🚧Don't move your money around or make large cash deposits.....🤑🤑🤑

🚧🚧Don't buy furniture or appliances.....🪑🛋🛒

🚧🚧Don't change jobs....👷‍♂️🧑‍🔧🧑‍💼

🚧🚧Don't apply for new credit....🚫❌🚫

🚧🚧Don't co-sign on any new loans....💸📑💸

🚧🚧Don't change banks....🏦🏦🏦

Give me a call 251-243-1425

NMLS # 2326071
Company NMLS # 2017384

If you are looking to buy a house and create your own investment instead of paying rent for someone else's investment. Now is the time to really start navigating through your options. Interest rates are coming down a bit and the future, hopefully, looks good. Always remember to never worry about rate, pay attention to the payment and what you can afford and what you are comfortable with. The best card in your pocket is the ability to refinance when rates get lower and they will at some
time. Most homeowners refinance their home every 5 to 7 yrs to either lower their rate, consolidate bills, do home improvements, invest in additional properties or whatever. It is your investment to work the way you want it to.
I am here to help you navigate through it all.

Please contact me with any questions or concerns. Always available

251-243-1425

NMLS #2326071
Company NMLS #2017384

The greatest thing about owning your own home is the fact that it can be the biggest and the most return on your investment!! Sellers and Realtors need to make sure that when you put in an offer that the offer is not a pre-qual but an actual verified formal pre-approval. What do I mean by a formal pre-approval?

There are 3 steps I go by before I will issue a formal pre-approval to my Buyers, Realtor Partners and Sellers!

1st Step: fill out the initial application ( which costs you nothing to do ) to get a good idea of your situation and to make sure we can get to the next step.

2nd Step: get a full picture of your credit profile to make sure your credit score and liabilities are in line with current Lender guidelines. This is very important! So much depends on this!!

3rd Step: Verify your income and assets (needed to close your loan). The funds to close can come from Savings, Money Market Accounts, 401K, Retirement Accounts, family or employer Gift funds or proceeds from the sale of a current owned property.

By me doing these steps I will be able to help navigate and find you the best possible option!

Feel free to reach out with any questions. Always available!

251-243-1425


Company NMLS #2017384
NMLS #2326071

Need the cash back that you invested into a home less than 6 months ago??

Let's talk about delayed financing!

Delayed financing is a smart option for those who have paid cash for their primary home, second home or investment property! We can do a cash-out refinance as soon as you close on your new home, no waiting 6 months to a year to get your cash back!

Want more information then reach out to me at 251-243-1425

NMLS # 2326071
Company NMLS # 2017384

Do not have enough money to close? Did you know that you can use Gift Funds from family members and your employer to help with the down payment and closing costs?

Reach out to me if you need more information

251-243-1425
Company NMLS # 2017384

As we see rates starting to get back to a somewhat normal, I can easily tell you what the difference between your current rent and a proposed rate and payment on your new home! Remember, when you pay rent you are paying for someone else's Mortgage and increasing their investment. Why not create your own!!!

If you are a First Time Homebuyer and just need an experienced Mortgage Advisor to help walk you through the process! Now is the time to start preparing and get all of your ducks in a row!! I will answer your questions and let you know what to expect, what to do and what not to do. Give me a call!! I am honored to serve you!

251-243-1425


Company NMLS # 2017384
NMLS # 2326071

If you are tired of renting and want to create your own wealth by owning your own home. Please reach out to me with any questions

Owning vs Renting? Why pay for someone else's Mortgage when you can pay for your own. Create your own investment for yourself!!

Company NMLS #2017384

2 things that you should not avoid! Keeping your Credit Score and Savings strong!! This will give you more buying power and less hassle!

Please reach out to me with any questions at 251-243-1425


Company NMLS # 2017384

The greatest thing about owning your own home is the fact that it can be the biggest and the most return on your investment!! Sellers and Realtors need to make sure that when you put in an offer that the offer is not a pre-qual but an actual verified formal pre-approval. What do I mean by a formal pre-approval?

There are 3 steps I go by before I will issue a formal pre-approval to my Buyers, Realtor Partners and Sellers!

1st Step: fill out the initial application ( which costs you nothing to do ) to get a good idea of your situation and to make sure we can get to the next step.

2nd Step: get a full picture of your credit profile to make sure your credit score and liabilities are in line with current Lender guidelines. This is very important! So much depends on this!!

3rd Step: Verify your income and assets (needed to close your loan). The funds to close can come from Savings, Money Market Accounts, 401K, Retirement Accounts, family or employer Gift funds or proceeds from the sale of a current owned property.

By me doing these steps I will be able to help navigate and find you the best possible option!

Feel free to reach out with any questions. Always available!

251-243-1425


Company NMLS #2017384

2 things that you should not avoid! Keeping your Credit Score and Savings strong!! This will give you more buying power and less hassle!

Please reach out to me with any questions at 251-243-1425

If you are a First Time Homebuyer and just need an experienced Mortgage Advisor to help walk you through the process! Now is the time to start preparing and get all of your ducks in a row!! I will answer your questions and let you know what to expect, what to do and what not to do. Give me a call!! I am honored to serve you!

251-243-1425


Company NMLS # 2017384