Welcome to Garrison Home Loanz

Lending in 48 States

home financing



Residential Home Purchases & Refinances

Experienced in mortgage origination:

  • Owner Occupied
  • Non Owner Occupied (Investment)
  • 2nd Home (Vacation Home)


Loan Products & Programs

I have access to different loan programs that will suit your needs according to your situation or scenario:

  • Conventional 
  • FHA, VA & USDA Financing
  • Portfolio Lending (Florida Homes Only)
  • Jumbo Loan
  • Manufactured Home Financing
  • Construction Perm Loan
  • Condominium Warrantable and Non-Warrantable 
  • Bank Statement Program
  • Investor - NO DOC
  • Assets Only
  • Foreign Nationals 


About Me:

Hi, my name is Darnell Garrison founder of Garrison Home Loanz. With over 17+ yrs. experience in the Mortgage Industry. My extensive product knowledge coupled with creative ideas, will assist with getting you into the right loan program to fit your needs. My productive, high energy, and efficient work habits, have given me the ability to provide superior customer service.  For over the last 10 yrs, I've been affiliated with a National Charter, which allows me to Originate Loans in 48 States.  My mission is to help as many families/individuals as possible with achieving their American Dream of Home Ownership.  With In-house Underwriting and Processing at my location, it allows for more of a stream-line process for smoother closings.  I am hopeful of having the opportunity to work with you and show you my dedication in handling your mortgage needs.  Thank you for your time and I'm looking forward to hearing from you soon.

Download Application

Let's get started with the process! Once filled out, scan or email this application back to me here: dgarrison@centralbankfl.com

Call or text me anytime with any questions


Application (pdf)


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NMLS ID: 17118

Garrison Home Loanz



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Credit Challenges

Life happens to us all. If there is a blemish on your credit report, more often than not we can move forward with a home loan.  If not at this time, I have a  Credit Specialist that can work on getting your score higher within 45 - 60 days.  She is my miracle worker!

Real testimonials


I want to take a moment out of my really busy day to thank DARNELL GARRISON and his team for helping with the Purchase of my new Home!  Thank you for seeing me through every step of the way!  Your hard work and dedication is appreciated.  The long days and nights have finally paid off!  YOU ARE THE BEST! Thanks again!

B. Castro


Winter Haven, Fl.

2. HE's THE REAL DEAL!!!!!

This had to be one of thee most stressful journey I had to take as an adult.  Honestly, I couldn't have gotten through it without my other half and BEST TEAM of people pushing through for us all the way.  I have to say thank you soooooooo much to DARNELL GARRISON, the most RELIABLE Loan Originator who's been on this journey with me for over a year.  We are finally in our beautiful home, a week before Christmas 2018!  Thank you again Darnell, your tremendous!

C. Jones


Tampa, Fl.


My experience overall seemed good. I've never been through this process before but it seems to me that it went as well or better than expected. Lots of documents to submit but they requested them ahead of time and I wasn't usually doing anything last minute. Darnell was always available when needed, even after hours. Job well done!!

E. Komsic


Tampa. Fl

4. HE'S THE MAN!!!

After almost giving up on the dream of purchasing a home, my husband and I were given the number to Darnell Garrison. From the day my husband spoke with him, we realized that purchasing a home for our family was still possible.

Darnell made us feel like we were his only clients. He was professional, helpful and beyond patient. He walked us through everything, which made my husband and me every conformable. We knew we could call him anytime with questions, and he would know the exact answer. Purchasing a home wasn't as stressful as it had originally been when we first started out months before. 

We've passed his name along to friends and I will continue to do so. 

C. Garcia


Key West, Fl


Hello, my name is Nelson. My fiance and I decided to embark on this adventure of buying a home. We had no clue what we needed or how we needed to do it. We started with a logical explanation and looked for a real estate agent. Well after many fails and many disappointments with not only the houses but the also banks the agents' recommended, until one day we heard the name Darnell Garrison. We decided to give him a shot as well. Well let me tell you, my credit had blemishes and I knew it going to be a tough road. First, speaking to Mr. Garrison, the experience was great and he was very nice and polite, but remember it's the first impression. Then my fear began. My nightmare was my credit. Darnell and I talked everyday even twice a day as I needed reassurance that my loan could be done and Darnell never lost faith.  Darnell always said, "it's gonna be alright" and we pushed forward. After a very long and uphill battle we closed and about to move in to what my fiance and I see as a foundation on the rock to bring in a family and bring our life together. In our yard we will plant a small tree and see it grow to be a big one and God willing, maybe see a child grow old there too. At the end of the day, I know this road of buying a home ( which honestly is long and hard) would have not been done with Darnell's guidance and encouraging words his hard work and dedication. So when the road seems hard or impossible, let Darnell take a look and cause in his words, it's gonna be alright!"

N. Najera


Springfield, Mo.


I recently purchased my first home and couldn't be happier that I went through Darnell to do so. He was more than helpful through the entire stressful process. Being a first time home buyer he went above and beyond to break down the process and keep me calm to say the least. I refer all my friends and colleagues to Mr. Garrison whenever the subject of purchasing a home arises and  have nothing but good things to say about his part in getting closed on my home.

D. Hough


Kansas City, Mo.


I thought that buying the home of my dreams in Key West would never happen. I had issues with debt, ex-husband drama, IRS debt and not the best credit score. April 2016 I made a phone call to Darnell Garrison. He guided me thought the steps and held my hand along the way. He immediately started working with me. it was not easy task, but he worked his magic and made it happened. We had our approval within 2 weeks. We closed on our DREAM HOME MAY 16 2016. I tell everyone that asks how I did it . Darnell made a miracle happen and he can do it for you also. 

J. Herrera

D. Marti


Key West, Fl.


We spoke with Darnell a year prior to purchasing our Home.  He guided us from first initial phone call and explained what we needed to do.  He got us in contact with his Credit Specialist who took care of us from that point forward.  We got our credit score high enough and called Darnell back, we were able to Purchase with his guidance.  This guy is the real deal and I would refer him to any of my family members and friends.  Thank you again Darnell for handling out Mortgage needs.

The Jones Family


Tampa, Fl.



What should my credit score be before applying for a home loan?

I can work with a credit score of 580 or above. Call me to find out where you're sitting.  Many use online systems to check their score however, that score never coincides with what I pull. We use different scoring modules.  I highly recommend letting me pull your credit to see exactly what your score is.  Give me a call or fill out an application TODAY. It takes less than 10 mins. and will cost you nothing to look into.


Do I look for a real estate agent and look for houses first and then get a loan?

NO!  You want to get pre-approved first before getting with a Real Estate Agent.  This way we can see exactly what sales price range you should be looking at.  Many Realtors will not entertain dealing with clients without a pre-approval.  Call me today to get pre approved right now.


How long does this process for buying a home usually take?

Should you have an executed contract, house picked out, documents sent in, the process could be done as fast as 20-30 days.