Now licensed in 49 States and DC!!!

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Gardner Lane
Branch Manager/Sr. Loan Officer

Gardner Lane is an accomplished mortgage professional with over 20 years of experience and currently Licensed in 49 States and Washington DC. He has a passion for helping home buyers, owners and builders to learn more about loan options. Known as a strong thinker with strong residential, FHA, VA and commercial mortgage acumen. With his past endeavors in real estate, owning and managing as many as 60 apartment units, he is skilled at educating customers about construction and renovation financing, home buying and refinancing solutions, as well as jumbo, adjustable-rate, and reverse mortgages.

Beyond work, Gardner is quite active and civic minded. Most recently he has joined the Board at Moses Brown in Providence, RI. Another current labor of love is in heading up a $2.5M fundraising effort to build youth sports fields in his hometown of Westport, MA. Before moving east, he was an Alumni Trustee at the Latin School of Chicago. On a fun note, he was involved as a volunteer in the effort to bring the Olympics to the city of Chicago in 2016. He holds an MBA from DePaul University in Chicago concentrating in Real Estate Finance, his undergraduate degree is from the University of Colorado - Boulder.

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Areas served
  • Providence, RI
    Services offered
    • Residential Mortgage Lender
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      Today's rates

      Loan typeRateAPRDiscount points ($)Mo. payment

      This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate, Inc. and are subject to change without notice. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges).

      Product Assumptions:

      Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.

      Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.

      FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.

      VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.

      These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.

      One discount points equals one percent of your loan amount.

      Guaranteed Rate, Inc. has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.