Gardner Financial Services Ltd. Mortgage Rates, Fees & Info

Review & Overview

Gardner Financial Services Ltd. is a smaller mortgage company specializing in various types of mortgages.



We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
Home Equity Line of Credit (HELOC)	7.06%	4/17/25
30 Year Conventional Purchase	7.17%	4/17/25
30 Year Conventional Refi	7.03%	4/17/25
30 Year Cash-out Refi	7.43%	4/17/25
30 Year FHA Purchase	7.44%	4/17/25
30 Year FHA Refi	7.08%	4/17/25
30 Year VA Purchase	6.58%	4/17/25
30 Year VA Refi	6.52%	4/17/25
30 Year USDA Purchase	7.20%	4/17/25
15 Year Conventional Purchase	6.36%	4/17/25
15 Year Conventional Refi	6.28%	4/17/25
15 Year Cash-out Refi	6.28%	4/17/25
15 Year VA Purchase	6.00%	4/17/25
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Gardner Financial Services Ltd. Mortgage Calculator

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