The Mortgage Expert Noel A Shepherd, NMLS# 313280

06/12/2026

A lot of buyers think they need to have everything figured out before speaking to a lender. In reality, the smartest first step is simply starting the conversation.

Whether you have questions about down payments, credit scores, monthly payments, or loan options, getting clear answers early can make the entire process feel less stressful and more exciting.

Every home journey starts somewhere, and having the right guidance can make all the difference.

Visit www.GarrettMortgage.com or call 757-936-1583 to get started today.

06/03/2026

5.0 star review received on Experience.com for Noel Shepherd by Bryce L - Noel is amazing. I had just went through the process of purchasing my first home and was very unknowledgeable about everything. Noel made sure I was aware of all grants I was eligible for, made sure I knew which type of loan was best for me and explained why. You name it Noel will be there to help you through it. Cant even count the amount of silly questions he answered for me with a smile on his face just happy to help. Highly recommend

Click to see all 40 reviews of Noel Shepherd, Specialist with First Time Home Buyers, Move up Buyers & Jumbo Purchases

06/01/2026

If you’ve been thinking about buying a home, don’t wait for the “perfect time.”

June is National Homeownership Month—a great reminder that homeownership is still within reach for many buyers with the right financing options.

The reality? Your buying power can change when rates move.
And if you wait too long, the payment on the same house may not look the same later.

That’s why now is the time to explore programs that can help you get in the door with little to NO money out of pocket:
✅ Pathways Mortgage – up to 103% financing
✅ First-Time Homebuyer 5/1 ARM – 100% financing
✅ NO PMI options available

If you’ve been renting, watching, waiting, or assuming you need more cash than you actually do — this is your sign to call.
📞 757-936-1583
Call me today to begin your Pathways to Homeownership!

Subject to credit approval. Income, property, and program restrictions may apply. NMLS #1878549 | Equal Housing Lender

05/30/2026

5.0 star review received on Experience.com for Noel Shepherd by Juan R - My wife and I would like to sincerely thank Noel Shepherd at Garrett Mortgage, powered by Langley Federal Credit Union, for helping us become first-time homeowners!
Noel was knowledgeable, honest, patient, and always available whenever we had questions. He worked through every obstacle we faced, including our high debt-to-income ratio, and never gave up on helping us reach our goal.
What meant the most to us was how much he genuinely cared about our family. He kept us informed, answered every question, and made a stressful process feel much easier.
Thanks to Noel’s hard work and dedication, we are now officially homeowners! We highly recommend Noel and his amazing team to anyone looking to buy a home.

Thank you, Noel!

Click to see all 39 reviews of Noel Shepherd, Specialist with First Time Home Buyers, Move up Buyers & Jumbo Purchases

05/14/2026

5.0 star review received on Experience.com for Noel Shepherd by Omer A - Noel was excellent to work with. Easy to talk to, knew all the answers to all our questions, professional, and efficient. I have had other loan officers in the past and feel Noel is the best amongst them all! I hope to work with him again in the future.

Click to see all 38 reviews of Noel Shepherd, Specialist with First Time Home Buyers, Move up Buyers & Jumbo Purchases

05/10/2026

Happy Mother’s Day 💛💙
At Garrett Mortgage, we’re deeply grateful for all the mothers whose love, strength, and sacrifices create the foundation of strong families and strong futures. You make home feel like home—and we’re honored to support the communities you help build every day.

04/26/2026

This what happens when you’re working on a Sunday instead of paying attention to your child.

04/18/2026

5.0 star review received on Experience.com for Noel Shepherd by Oliver A - Noel did a great job than my expectations, you are amazing

Click to see all 37 reviews of Noel Shepherd, Specialist with First Time Home Buyers, Move up Buyers & Jumbo Purchases

04/02/2026

02/28/2026

🔔 Attention Hampton Roads Renters!

If you’ve been thinking about buying a home but aren’t sure where to start, this is the event you don’t want to miss.

🏡 Learn how to confidently navigate the home‑buying process
✨ Get the truth behind the biggest home‑purchase myths
💵 Discover how you could become a homeowner with as little as $1,000 out of pocket

Whether you're planning for the future or ready to take the next step now, this workshop will empower you with the knowledge you need.

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