Joey Garrett combines 25 years of mortgage expertise with personalized, local service to help Utah families find the right home loan — without the corporate runaround.
Real feedback from homeowners Joey has helped through purchases, refinances, and investments.
"Joey Garrett did an excellent job helping me refinance my home with 15 year terms. I was so pleased with the annual rate he was able to find for me. I highly recommend Garrett Mortgage to anyone looking for any type of mortgage services. I will 100% be using Garrett Mortgage for any future needs I'll have."
"Joey has been wonderful to work with. Spends time answering questions and is very responsive. Highly recommend as your mortgage broker."
"Joey let me know when rates dropped enough to do a refinance and he made the whole experience effortless. There's just nobody better! Thanks Joey."
"Garrett Mortgage is great to work! They care and are always willing to listen to your needs. Awesome to work with and great people."
"Joey was great. He was a great communicator and represented me well. I suggest going to Joey for any mortgage loans. He's the best."
"We closed on our house in 11 days! It was such a smooth, quick process and they were so great to work with!"
"Joey was such an amazing resource for us at an important time in our lives. He had all the answers to our questions, was very responsive, and worked hard to make sure we had the best rate and product for our unique circumstances. Working with Joey brought such peace of mind to us. We would trust Joey with our mortgage needs again without any reservation."
"Joey has handled every financing process on my home; except one. Our business relationiship started in 2001. I was a single divorced woman, at a time when financing wasn't easy for us. I have refinanced my home - 5 or 6 times now. The one refinance process he didn't handle, was because he told me he couldn't give me the best rate, at that time. How many business men are that honest? I would not trust anyone else. I would give him 10 stars if it was offered."
"Joey was so easy to work with! He was so helpful always answered my questions weather they were big or small! SO easy to get in contact with and quick to respond to my emails or calls! I have referred everyone I know!"
"We enjoy the fast friendly service that Joey provides. He makes things happen. Thanks"
"Joey helped us with refinancing our home. He was a pleasure to work with. I was appreciative that he offered many means of communication (email, phone, text) and that he kept us up to date with how our application and loan were progressing. I would highly recommend using Garrett Mortgage for all your mortgaging needs."
"Joey was helpful letting us know when rates were advantageous, his fees were low, and he was very fast and responsive throughout the whole process. It's been 6 months and I still feel great about my decision to refinance my mortgage with Garrett Mortgage!"
"Joey was very personable and easy to work with. He was on top of things and made sure we were able to close on time."
"Great to work with. Made our refinance a breeze."
"Joey Garrett did an excellent job helping me refinance my home with 15 year terms. I was so pleased with the annual rate he was able to find for me. I highly recommend Garrett Mortgage to anyone looking for any type of mortgage services. I will 100% be using Garrett Mortgage for any future needs I'll have."
"Joey has been wonderful to work with. Spends time answering questions and is very responsive. Highly recommend as your mortgage broker."
"Joey let me know when rates dropped enough to do a refinance and he made the whole experience effortless. There's just nobody better! Thanks Joey."
"Garrett Mortgage is great to work! They care and are always willing to listen to your needs. Awesome to work with and great people."
"Joey was great. He was a great communicator and represented me well. I suggest going to Joey for any mortgage loans. He's the best."
"We closed on our house in 11 days! It was such a smooth, quick process and they were so great to work with!"
"Joey was such an amazing resource for us at an important time in our lives. He had all the answers to our questions, was very responsive, and worked hard to make sure we had the best rate and product for our unique circumstances. Working with Joey brought such peace of mind to us. We would trust Joey with our mortgage needs again without any reservation."
"Joey has handled every financing process on my home; except one. Our business relationiship started in 2001. I was a single divorced woman, at a time when financing wasn't easy for us. I have refinanced my home - 5 or 6 times now. The one refinance process he didn't handle, was because he told me he couldn't give me the best rate, at that time. How many business men are that honest? I would not trust anyone else. I would give him 10 stars if it was offered."
"Joey was so easy to work with! He was so helpful always answered my questions weather they were big or small! SO easy to get in contact with and quick to respond to my emails or calls! I have referred everyone I know!"
"We enjoy the fast friendly service that Joey provides. He makes things happen. Thanks"
"Joey helped us with refinancing our home. He was a pleasure to work with. I was appreciative that he offered many means of communication (email, phone, text) and that he kept us up to date with how our application and loan were progressing. I would highly recommend using Garrett Mortgage for all your mortgaging needs."
"Joey was helpful letting us know when rates were advantageous, his fees were low, and he was very fast and responsive throughout the whole process. It's been 6 months and I still feel great about my decision to refinance my mortgage with Garrett Mortgage!"
"Joey was very personable and easy to work with. He was on top of things and made sure we were able to close on time."
"Great to work with. Made our refinance a breeze."
From first-time buyers to seasoned investors — the right program for your goals.
With 25+ years in mortgage lending, I've worked through every market and every loan scenario. My mission isn't just closing loans — it's giving you the clarity and confidence to make one of life's biggest decisions.
Based in Southern Utah, proud to help our community grow — one family and one home at a time.
The personal touch of a local broker, with the program access of a national lender.
Direct access from first call to closing day. No call centers, no handoffs.
Deep knowledge of Iron, Washington, Beaver Counties, and the Utah market.
From first-time buyers to DSCR investors — Joey shops the market for you.
Estimate your monthly payment, see how different rates and down-payment amounts move the needle, and walk into your pre-qualification with confidence.
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