Angie Garner - Mortgage Loan Officer

Angie Garner - Mortgage Loan Officer NMLS # 2212251 - With over 2 decades in the tax industry, I’ve developed a keen understanding of how smart money strategies pave the way for success.

Today, I bring that same expertise into the mortgage world - rooted in professionalism and kindness.

Join us TODAY for an exciting Home Fair! 🏡✨We’re thrilled to announce that **Alpha Business Services** is one of the fea...
03/23/2026

Join us TODAY for an exciting Home Fair! 🏡✨

We’re thrilled to announce that **Alpha Business Services** is one of the featured vendors at this special event—ready to help you elevate your business and financial strategies!

📅 **March 23**
⏰ **4:00 PM – 7:00 PM (EST)**
📍 National Infantry Museum
1775 Legacy Way, Columbus, GA 31903

Whether you're a homeowner, entrepreneur, or future business owner, this event is the perfect opportunity to connect, learn, and grow.

💡 Don’t forget to **scan the QR code in this post to register** and secure your spot!

See you there! 🙌

03/07/2026

You might be closer to homeownership than you think.

You may qualify for CalHFA if:
• You’re a first-time buyer (or haven’t owned in 3 years)
• Your income falls within program limits
• Your credit score is generally 640+
• You’re ready to build equity instead of paying rent

But here’s what I tell my clients:

Don’t guess.

Pre-approval tells you facts — not fears.

If homeownership is part of your vision this year, let’s see what’s actually possible.












03/06/2026

Here’s how CalHFA down payment assistance typically works.

In many cases, the assistance is structured as a second loan that helps cover your down payment and sometimes closing costs.

The key detail?
It’s often deferred — meaning you don’t make monthly payments on that assistance right away.

Repayment usually happens when you refinance, sell, or pay off the home.

There are income limits, credit guidelines, and a required homebuyer education course.

But for financially responsible buyers, this program can be a stepping stone into homeownership.

Understanding structure matters — whether it’s taxes or real estate.












03/04/2026

Let’s clear up a common misconception.

You do NOT need 20% down to purchase a home in California.

Programs like the California Housing Finance Agency (CalHFA) offer down payment assistance to qualified buyers — especially low to moderate income individuals and families.

Many future homeowners delay their plans because they assume they need tens of thousands saved.

That’s not always the case.

The key is understanding your options early.

If homeownership is part of your long-term financial plan, don’t wait based on assumptions. Get informed.












Let me share something that a lot of people don’t realize…If you’re a low-to-moderate income earner in California and yo...
02/26/2026

Let me share something that a lot of people don’t realize…

If you’re a low-to-moderate income earner in California and you think homeownership is out of reach because of the down payment — that may not be true.

There’s a program available right now called CalHFA — the California Housing Finance Agency program — and it offers down payment assistance to qualified buyers.

That means you may not need to come up with all of the upfront funds on your own.

Depending on the program, CalHFA can help cover your down payment and even assist with closing costs. In many cases, it’s structured as a deferred loan — meaning payments aren’t required right away.

This program is designed for first-time homebuyers or buyers who haven’t owned a home in the last three years. There are income limits, credit guidelines, and homebuyer education requirements — but many hardworking individuals and families qualify.

If you’ve been renting and wondering, ‘When will it be my turn?’ — this could be the opportunity.

Don’t disqualify yourself before getting the facts.

Let’s review your income, credit, and goals and see if CalHFA is a fit for you.

Homeownership might be closer than you think.

02/19/2026

Teaching basic financial literacy to teens with Donna Jones of Experior Financial

What a full-circle moment this has been.Recently, I had the honor of visiting a local public school to teach basic finan...
02/19/2026

What a full-circle moment this has been.

Recently, I had the honor of visiting a local public school to teach basic financial literacy to teens — and I didn’t go alone. I partnered with Donna Jones of Experior Financial Group Inc, and together we poured into the next generation.

We talked about real-life money skills:
• How credit truly works
• Budgeting as a tool for freedom
• Understanding income, savings, and investing
• Making smart decisions early to avoid long-term setbacks

The students were engaged, thoughtful, and curious. They asked questions that showed they want to understand money before stepping into adulthood. That alone was inspiring.

This experience didn’t just impact them — it impacted me.

It set in motion the vision for Count-Up Youth Financial Literacy Project, a nonprofit initiative dedicated to equipping young people with practical financial knowledge early. Because financial literacy shouldn’t start after debt — it should start before decisions.

Partnering with Donna reminded me that this work is bigger than one person. It takes collaboration, community, and commitment to shift futures.

I left that school energized, grateful, and inspired.
The mission is clear: Teach early. Build confidence. Change trajectories. 💛





Be honest — no judgment here.What’s the real reason you’re still renting?• 1-Monthly payment• 2-Credit• 3-Down payment• ...
02/03/2026

Be honest — no judgment here.

What’s the real reason you’re still renting?

• 1-Monthly payment

• 2-Credit

• 3-Down payment

• 4-Job stability

• 5-Just not ready

• 6- Don’t know where to start

Comment the number ⬇️

01/16/2026

🏡 A home is more than a purchase — it’s a place where life happens.

If you’re preparing for homeownership, considering refinancing, or simply needing a clear plan,
I’d be honored to walk alongside you.

I help clients with:
✔️ Pre-approvals
✔️ Mortgage refinancing
✔️ First-time homebuyer game plans

Let’s approach this with wisdom, clarity, and purpose.

💬 Message me when you’re ready to take your next step.








🏠 Buying or refinancing a home?Let’s get you prepared — not stressed.I help with:✔️ Pre-approvals✔️ Mortgage refinancing...
01/15/2026

🏠 Buying or refinancing a home?
Let’s get you prepared — not stressed.

I help with:
✔️ Pre-approvals
✔️ Mortgage refinancing
✔️ Clear game plans for first-time homebuyers

You don’t need pressure — you need a plan.
Let’s turn your “someday” into a strategy.

📩 DM me to get started.








✨ Your home journey deserves a plan — not pressure. ✨Whether you’re:🏡 dreaming of your first home,🔑 ready to get pre-app...
01/12/2026

✨ Your home journey deserves a plan — not pressure. ✨

Whether you’re:
🏡 dreaming of your first home,
🔑 ready to get pre-approved, or
📉 considering refinancing to improve your cash flow…

I’m here to help you create a smart, peaceful, and confident path forward.

I don’t just process loans —
I help you understand your options and build a game plan that aligns with your goals.

💬 Message me “START” when you’re ready to take the next step toward homeownership.








Address

1639 Bradley Park Drive Ste 500
Columbus, GA
31904

Telephone

+18662726500

Website

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