Jay Garnier
Loan Officer
We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.
Bio:
Jay comes to the NJ/FL team at Loan Factory with more than 50 years of widely diversified real estate experience, and a strategic vision to bring everything together in one place to reduce stress, lower costs, and streamline the process for current and future homeowners. Both share a vision for simplifying homeownership and making homeownership more affordable. Loan Factory uses efficient, second to none technology which provides fast and cost efficient loan processing. Jay understands that borrowers want more than technology, they want a real human with local knowledge and real answers to walk them through every step of the process, to anticipate and avoid potential pitfalls, and to get the best possible results tailored for their particular and unique circumstances.
Loan Factory is both a mortgage broker and a mortgage lender in NJ & FL and does business in 48 states.
For Jay, joining Loan Factory was a unique opportunity to semi-retire and help his children’s and grandchildren’s generations achieve the American Dream of safe, affordable and sustainable quality housing and the accumulation of generational wealth.
Jay became a real estate salesperson in NJ in 1973, a real estate broker in 1986, and began facilitating residential mortgages as a correspondent with major national lenders in 1993. He is currently a licensed real estate broker in NY and FL and a licensed mortgage loan officer in NJ, FL and PA. He is a licensed insurance broker in NJ, PA and FL, an inactive title insurance and settlement agent in NJ.
Jay was a Certified NJ Municipal Real Estate Tax Assessor.
Jay was formerly Broker of Record for a NJ based, commercial and Investment focused, real estate brokerage and business brokerage firm. Jay has been a NASD General Securities Principal specializing in real estate direct participation securities and focused on institutional and accredited investors. Jay was formerly a member of the Board of Directors of the TriState Commercial and Industrial Board of Realtors.
With Loan Factory he can facilitate commercial, investment, construction and business purpose loans in 45 states.
In his lifetime Jay has been involved with over $10 Billion in US residential, commercial and investment real estate.
Jay attended Rochester Institute of Technology and graduated summa cum laude from William Paterson College. Jay attended the Rutgers Graduate School of Business, and earned his JD from the Rutgers-Newark School of Law and his LL.m.(Tax) from New York University School of Law. He earned associates degrees from The University of Medicine and Dentistry of New Jersey School of Health Related Professions, Camden County College and Excelsior College.
Now retired, Jay has been admitted to practice law in New York and New Jersey, and various Federal courts including the United States Supreme Court.
Jay is a retired member of the NJ Society of CPAs.
Jay holds the Chartered Financial Consultant (ChFC) and Chartered Property and Casualty Underwriter (CPCU) professional designations.
Jay was adjunct faculty at the Lubin Graduate School of Business at Pace University. He is an instructor and course director for a variety of continuing professional education programs including for real estate salespersons and brokers.
Jay became a volunteer firefighter in 1971, and has been a volunteer firefighter and EMT. He is trained as a NJ Fire Inspector and was a FL Paramedic. He was a NJ Fire instructor and an PA EMS instructor, and is still an American Red Cross instructor and instructor trainer and a volunteer member of the Medical Reserve Corps.
Jay is an amateur radio operator, a merit badge counselor with Scouting America, and a member of the US Coast Guard Auxiliary.
Jay and his wife Kat both grew up in Ridgewood, NJ, both graduated from Ridgewood High School and Rutgers University, and raised their children in Moorestown, NJ. They have 2 children and 5 grandchildren.
NMLS#: 2405309
License: FL, NJ, PA
Spoken Language: English
Mortgage Rates
Why are our rates so low?
- 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 240 lenders in real-time for you.
- 2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the United States. Because we have closed so many loans, we can negotiate and obtain ridiculously low rates from lenders.
- 3. WE LOWER OUR PROFIT: Our profit per loan is much lower than that of our competitors. We aim to earn your business and your referrals.
OUR ACCOMPLISHMENTS
240+
Number of Lenders
11236+
1750+
Ready to settle your mortgage plan?
We are here to help you with the great deal in the market.
Services We Offer
Home Purchase
Are you a first-time home buyer? Let's make an easy start with us. We will guide you through all the paperwork. All you need to do is to trust us and relax.
Refinance Low Rate
Need to refinance to get a better rate? We will get great deals for your financial plan. As rate is updated in real time from lenders, your refinance plan will just get better.
Refinance Cash Out
A cash-out refinance is one of several ways to turn your home's equity into cash. We will help you with your financial plan.
Rudy provided a great buying experience for me in purchasing a home in Monterey Park, CA. He knew the area well, provided excellent guidance, responded quickly when I had questions, and also help me negotiate a highly competitive house that was hot on the market. Thanks Rudy!
Aileen was a pleasure to work with, she helped us to buy a home which we were waiting for a long time. She goes above and beyond to get things done on time. Very prompt in follow ups, responding to emails and text messages. I strongly recommend Aileen if you are buying a house, you can rely on.
Michael is a professional and a gentleman. He was always on time; always prepared; always willing to go the extra mile. He answered all of our questions and provided details and explanations when we were puzzled. He was never flustered, never in a hurry, and never angry. Michael was a pleasure to work with. We are immensely satisfied with Michael's service.
Why Us
Independent Advice.
We commit to always give you independent advice regarding real estate and mortgage options.
Customer First.
We make less per loan than competitors and pass the extra savings to borrowers.
Low Available Rates
You will always get great deals with our real-time pricing engine.
Fast, Convenient, Local Service.
we are just one call away from your requirement.
Fast funding,
easy application.
Get your loan today!
Quick Loans, Anytime, Anywhere!
