Joey Garrett, mortgage broker
NMLS #478772
Your local broker — Joey Garrett

Your trusted mortgage advisor for life.

I believe the best mortgage relationships don't end at the closing table — they begin there.

For more than 25 years, I've been helping individuals and families throughout Southern Utah achieve their homeownership goals. After 17 years in banking and leading their mortgage department, I became an independent mortgage broker so I could work for my clients — not a single lender. That allows me to compare loan options from multiple lenders to find the right solution for each unique situation.

To me, this business has always been about people, not transactions. I want every client to feel like a friend, knowing they have someone they can trust for honest advice, clear communication, and guidance they'll rely on for years to come. Your privacy, your goals, and your family's future will always come first.

When I'm not helping clients, you'll usually find me with my wife and our six children — coaching sports, enjoying the outdoors, and soaking up everything Southern Utah has to offer. I'd be honored to help you with your next home purchase, refinance, or investment property, and I hope to become your mortgage advisor for life.

Areas of expertise.

Conventional loans
FHA & VA loans
USDA Rural Housing
Jumbo & High Balance
Investment properties
Construction loans
DSCR loans
Analyzing financials, credit, appraisals & title
Google reviews

What clients are saying.

5.0based on Google reviews
See all on Google

"Joey made the process effortless. He explained every step, found us a great rate, and we closed on our Cedar City home in record time."

Sarah M.
Cedar City, UT

"We had been turned down elsewhere. Joey took the time to understand our situation and got us into our first home. Forever grateful."

Mike & Jen R.
St. George, UT

"Five loans with Joey over the years — purchases, refis, and an investment property. Honest, responsive, and always looking out for us."

David T.
Iron County, UT

"Joey treats you like family. Clear communication, no surprises, and the best rate we were quoted. Highly recommend."

Allison K.
Parowan, UT