Gardner Lane

Gardner Lane is the best! He helped throughout the entire process and is so knowledgeable! I would recommend him to anyone considering buying a home.

Fair negotiation to get us the best deal relative to other companies. Gardner also went above and beyond to help us sort out how to report some financial things to get our mortgage cleared.

Apr 6, 2026

Gardner was amazing. Super attentive to our specific needs and very helpful in navigating issues that arose along the way!

Gardner Lane and his team were very responsive to all our many questions in the mortgage process and we had many. They were very friendly and got us a great mortgage rate.

Everyone was great!! Super responsive, polite, and knowledgeable

Jan 23, 2026

Gardner and his team at Rate were the best!

Jan 20, 2026

Gardner Lane and the staff were very helpful in guiding us through the complicated process of home mortgages. They were very responsive to all our questions and we had many. They were able to get us a great rate.

Nov 28, 2025

Gardner and the Rate team were on top of all the details resulting in a quick and successful closing!

Nov 20, 2025

This is the second time I have worked with Gardner (Guaranteed Rate). He was the consummate professional and is someone who can be trusted to guide you thru the mortgage process. I highly recommend him for any of your mortgage needs.

Sep 13, 2025

Highly recommend Gardner Lane. He knows our market and went above & beyond for us. We wouldn’t have closed without his help. Flexible on structures early and competitive. Great partner throughout the process. Always available to us and quick to respond.

No written review

Aug 5, 2025

Gardner was extremely helpful, the whole process was smooth and everything was clearly laid out and explained to me from start to finish. Highly recommend using Rate for your mortgage or refinance needs.

Jul 23, 2025

We have now closed on two different houses with Gardner, and we will be calling him any time we need loan assistance. He’s so patient, warm, and has a really calming presence. Can’t recommend him enough!

Gardner Lane is great. This is the 5th house we have bought with him and it is always a fantastic experience. He is very professional, and makes it easy for us!

Gardner Lane was the most helpful lender with whom I spoke across lenders.

Jun 20, 2025

Gardener and his team made our mortgage process a breeze! We appreciate their attention to detail and continuous communication. Thank you for your help!

Apr 18, 2025

No written review

Apr 18, 2025

No written review

Professional, honest and very helpful.

Fantastic customer service, excellent with details. White glove attention.

Gardner Lane was excellent to work with--responsive, helpful in explaining things, professional, kind.

The GR team was stellar, and went above and beyond for my loan.

Great service

We were clear to close in 6 days! Everything was fast and smooth and we felt like we were a priority to the GR team.

continues communication, ensuring clients’ full understating the process,

The process was fast, easy, comfortable--the team was communicative and cooperative all through the process.

Gardner was amazing! He was efficient, knowledgeable, and had great interpersonal skills! Most importantly, he got the job done!

Apr 17, 2024

Gardner Lane could make the impossible happen. Gardner is a highly forthright, supportive, and committed mortgage lender.

Jan 12, 2022

Knowledgeable Persistent Patient

Nov 11, 2021

I had a great experience working with Gardner and his team. They were attentive from start to finish, provided me with advice and options to achieve the financial outcome I was searching for. Highly recommend.

Oct 14, 2021

Gardner is an extremely genuine person. Gardner was always there no matter what. Made sure I knew every step and kept everything right in line. It was a pleasure dealing with Gardner. He made the entire process feel completely seamless.

Aug 7, 2021

I had a smooth landing working with Gardner. This was my first time going through the home buying process and the steps were made clear and easy to follow. Right now I’m confused about making my first mortgage payment but I created a ticket with the servicing team to clarify the process.

Jul 10, 2021

Gardner is exceptional I recommend him to everyone. He is so helpful, genuinely has his clients best interest in mind and honest something you don’t see a lot of with people now a days, I honestly would never think about using anyone else Gardner is truly the best.

Jun 1, 2021

Gardner was a pleasure to work with. He made our mortgage application process smooth and pulled out all the stops to get us to the finish line on time (and with a great rate) despite an almost comically difficult time finding an appraiser to come evaluate the property. We would absolutely use Gardner again, and recommend him and his team without any hesitation.

Mar 30, 2021

Gardner and his team were a pleasure to work with during a refinance of our mortgage. Gardner checked in with me about twice a year since our initial introduction to patiently explain our refinancing options until we were finally ready to do so.

Mar 28, 2021

Gardner Lane was very informative and helpful when we were refinancing. He was friendly and professional. His staff were fabulous and dedicated to ensuring the process was as smooth and painless as possible. I would definitely recommend Gardner Lane at Guaranteed Rate.

Mar 9, 2021

Working with Gardner Lane and Ron Klein at Guaranteed Rate was a very pleasant experience. I bought a new property with Gardner and did a refinance with Ron. These guys are very professional and know what they are doing. Answered all the questions and took care of business. If you are looking for a mortgage or a refi with a great interest rate contact Ron or Gardner at Guaranteed Rate. you will not go wrong. I have been buying and selling property for a lot of years but never has any experience been more pleasant than working with these guys.

Mar 3, 2021

Gardner was extremely helpful and very prompt in guiding me through a rushed mortgage and closing process. Couldn't have asked for better service. Highly recommend and will use again in future real estate purchases.

Feb 17, 2021

Gardner Lane made our home buying process stress free. We had worked with another lender prior to working with Gardner. I won't name the previous Lender because I'm not here to bash anyone's business. To make a long story short. We are in our newly built home , thanks to Gardner. He really went to bat for us. He was always available to answer all of our questions and he always followed up within 24 hours. I would highly recommend him to anyone who is in the process of buying a home. My husband and I can't thank him enough.

Feb 12, 2021

Gardner and his team provided a seamless experience for our refi during an extremely busy period for him. Each time we spoke with him, he had all of our items together and was able to calmly and very reassuringly answer all of our many questions. He was able to provide us recommendations and advice, problem solve when issues arose, and kept us informed and up to date through each step of the process. He was referred to me by a relative and we were not disappointed. We will seek him out the next time we're looking for a mortgage - he's the best we've ever experienced.

Feb 10, 2021

Connected with Gardner through a social contact. He was very thorough, and did a wonderful job of maintaining a professional demeanor throughout the process that required a lot of additional paperwork, as we had to deal with a seller who did not always adhere to timely submissions of necessary documentation. Gardner maintained a great sense of patience throughout the process as we moved to closing, and never seemed to lose his sense of humor which allowed us to remain calm through the process. His back up staff at Guaranteed Rate and at Pilgrim Title were also exemplary. I heartily recommend him to anyone looking for great service and competitive mortgage financing.

Feb 3, 2021

For the purchase of my new home in Glocester RI, I chose Gardner and Guaranteed Rate to help me obtain a mortgage. From the initial contact, to the closing, Gardner and his team at Guaranteed Rate provided excellent customer service. Obtaining pre-approval was very fast which afforded me the opportunity to make a serious and competitive offer to the seller in a tight sellers market. Further on, the online system employed by guaranteed rate made it very easy to provide them all the necessary initial documents, as well as those that were determined necessary subsequently. If I had any questions along the way, I always received prompt responses, including help in strategizing the optimal amount to borrow from Gardner. I was also able to get a great APR rate. Purchasing a new home is stressful, but the people I worked with at Guaranteed rate helped to make it less so by always remaining cheerful and optimistic. I would highly recommend you contact Gardner for your real estate financing needs.