Get a Free, No Obligation Mortgage Interest Rate Comparison

If We Can't Beat Your Mortgage Lender's Interest Rate, We'll Send You a $500 Check!

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.*

A Lower Interest Rate Will:

It Feels Good to Know You Got the Lowest Interest Rate!​

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.

A Lower Mortgage Rate Can Save You Thousands

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!

Mortgage #1
$400,000

Mortgage #2
$400,000

Mortgage #3
$400,000

You Can Trust 300+ Five-Star Google Reviews

Posted on Google Google
Neuro Play profile picture
Neuro Play
1 September 2026
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Joe and his team is amazing! Highly recommend!!
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Christopher Tayfel profile picture
Christopher Tayfel
18 August 2026
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We cannot say enough great things about Mr. Scott Beal! He was absolutely incredible throughout our entire loan process and truly the best lender we could have asked for. VA Construction Loans can be a complicated process, but Scott’s knowledge and experience made a huge difference for us. He was extremely knowledgeable about the VA Construction Loan process and was always willing to explain things, answer our questions, and make sure we understood what was happening every step of the way. What really stood out to us was how responsive and genuinely caring he was. We never felt like just another loan application. Scott truly cared about our family, our goals, and getting us to the finish line. Anytime we had a question or concern, he was there and always made us feel like we were a priority. We are incredibly grateful for everything Scott did to help make purchasing our land and building our future home possible. If you are looking for a lender who is knowledgeable, dependable, responsive, and truly cares about his clients, we highly recommend Mr. Scott Beal. We honestly could not have asked for a better lender!
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Mark Abrego profile picture
Mark Abrego
7 August 2026
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First time working with Scott and I will never use another lender to buy a home! Scott was great a communication and easy work with, made you feel like a person and not just a number. Very knowledgeable and helpful.
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James straight profile picture
James straight
7 August 2026
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My wife and I had the best experience with Loan Garden! We battled back and forth with our bank for 4 years bouncing back and forth between the bank and the VA and it was stressful and just a mess. However, with Loan Garden it was a one stop shop and absolutely seem less and painless process! Everything went smooth and fast and I couldn't be more grateful for their team of professional and exceptional personnel!! Thank you Loan Garden!!
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Loader 812
18 July 2026
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Was so glad I ran across Loan Garden, I would highly recommend them for your lending needs. Process was straightforward with no surprises along the way. Give them a call!!! 5 Star company!
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Carol Boruk profile picture
Carol Boruk
17 July 2026
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This company was so amazing. I got pre-qualifications from two other lenders and decided to use Loan Garden because I felt like Scott truly cared about me as a widow so he was not only attentive and caring but he was also very business and professional. Not easy to find professional AND caring nowadays. They also have very high rating with the Better Business Bureau. I highly recommend Loan Garden. Thank you Scott for being by my side throughout this whole process.
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Abby M profile picture
Abby M
26 June 2026
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Joe is amazing — he’s thorough and easy to contact should you have any questions! Highly recommend
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carlos trujillo profile picture
carlos trujillo
17 June 2026
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It was an amazing time working with Scott! He was able to answer all questions I had and was on top of my application without me having to call for updates. 100% would recommend!
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Quintin Ficklin profile picture
Quintin Ficklin
24 May 2026
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The experience was timely and informative.
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Arron Thomas profile picture
Arron Thomas
20 May 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Home buying made easy!!! The team was very helpful throughout our home buying process and kept us informed all along the way. Thank You Scott and Loan Garden for making our home buying experience easy.
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Still Have Questions? We're Here to Help!

We know getting a mortgage or refinancing at the best possible rate is important to you. Our team is here to provide all the information you need, whether you want to understand the details, discuss eligibility, or explore the next steps. We’re available anytime to guide you through the process and make your homeownership journey as smooth as possible.

Get in Touch Today

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.

1. Quote Requirements:

First, a quote must be provided from a competing lender which includes the following information:

  • The lender’s name
  • Date the quote was issued
  • Loan type, term, purchase price/property value, and loan amount
  • A full payment breakdown, including the interest rate, taxes, insurance and monthly mortgage insurance (if applicable)
  • Itemized breakdown of all lender fees, discount points, and any lender credits or rebates
  • Specific charges from third-party providers, including appraisal, credit report, and title company fees, and anything else the borrower might be expected to pay at closing.

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:

  • The $1,500 Lowest Rate Guarantee applies only to fixed-rate Conventional Conforming loans, FHA loans, and VA loans. Other loan products or loan products not offered by Loan Garden are not eligible at this time.
  • Eligible for loan amounts between $200,000 and up to the conforming loan limit for the county.
  • A “better loan” is defined as either offering the same monthly payment—calculated as the total of principal, interest, and any applicable mortgage insurance (such as MIP or PMI)—with lower total costs, or offering a lower interest rate with the same total costs. Costs are defined as all lender fees listed in Section A of your Loan Estimate or Closing Disclosure, including processing or underwriting fees, any lender credits (section J) or lender-specific charges associated with the loan, and any discount points or other points included in the loan offer.
  • Third-party credits or grants that are not available to both lenders will not be considered. This includes down payment assistance loans, grants, or credits from the seller, as well as builder incentives or builder credits that are specific to only one lender. These exclusions ensure a fair comparison and give us a fair chance to compete for your loan.
  • Builder specific loan programs and builder preferred lender incentives are not eligible for consideration.
  • The program is only available in Colorado (CO), Texas (TX), Michigan (MI), Florida (FL), and Pennsylvania (PA).
  • Borrowers who decline a better pricing offer from Loan Garden are not eligible for the $1,500 payment.
  • The lowest rate guarantee excludes counter offers from competing lenders.
  • All documents provided must be unaltered and include all pages of the official document, with nothing cut off or missing.

 

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

Processing Wiz

NMLS #2339450
Company NMLS #2274018

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​

Senior Broker

NMLS #1398904
Company NMLS #2274018

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​

Senior Broker

NMLS #1657578
Company NMLS #2274018

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.

Corinne Walker

Senior Broker

NMLS #1333795
Company NMLS #2274018

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​

Senior Broker

NMLS #1237803
Company NMLS #2274018

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.

Joe Prepolec​

Owner / Broker

NMLS #951262
Company NMLS #2274018​

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.

Scott Beal

Owner / Broker

NMLS #1011296
Company NMLS #2274018

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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Our Lowest Rate Guarantee

How it Works

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.

A lower interest rate will:

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.

See if you qualify

Which home buying stage are you in?
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Get Started

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