Jo Garner

Mortgage Banker

NMLS# 757308

Main Phone: 901-482-0354

About Jo Garner

Jo Garner, NMLS # 757308, is a mortgage officer with extensive knowledge in tailoring mortgages to her customers who are refinancing or purchasing homes all over the country. She offers conventional, FHA, VA, HARP refinances, Rural Housing or other loan programs for refinancing and purchases.

Jo can help you look at rent vs buy, when it makes sense to refinance, how to get the best deal on your home purchase financing. Jo’s mortgage team goes the extra mile for her customers, listening to the customer to make sure the mortgage product fits what they want today and what they need later. If there is an appraisal required, the customer’s loan is given a complete “second look” once the completed appraisal is submitted to see if there are any options for saving the customer more money per month or by lessening costs.

Jo Garner has been in the real estate/financing business for over 20 years. She grew up in West Tennessee and has been in the mortgage business in the Memphis area since 1990. She got her start in Portland, Maine where she first began her real estate career. She received her real estate education from the University of Southern Maine and was personally mentored in San Diego, California by Robert G. Allen, author of Nothing Down, Creating Wealth and The Challenge

Join Jo Garner live on News Radio AM 600 every Saturday 9AM to 10AM CST or on IHEART Radio:

What you can expect from us:

We’re here to guide you through the process and will be by your side every step of the way.

Customer Service

We put an emphasis on delivering a great experience for our clients.  We’re committed to making the process as easy and seamless as possible.

A Home Loan That Works For You

We’re committed to finding the right home loan to fit your current and future financial needs. We love helping people achieve their dream of homeownership, and will work tirelessly with you to find a solution that works.


We know when you come to us for a home loan or to refinance your mortgage you’re looking for a partner that can get the job done.  We’re honored to have the opportunity to work with you. Here are a few things you can expect from us: 30-day closing, impeccable follow-up, and transparent rates and fees.

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Contact Jo Garner

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Working with real estate agent?

Contact Details
Phone: 901-482-0354

46 Timber Creek Dr.
Cordova TN 38018

Hours of Operation
Mon – Fri
9am to 5pm


HomeVantage Mortgage is a division of Austin Capital Bank SSB #810021

8100 Shoal Creek Blvd.
Austin, TX 78757