Helping You Finance Your Next Home with Confidence

Whether assistance is needed for buying, refinancing, or accessing home equity, support is available to simplify the process and identify the right mortgage solution for specified goals.

  • Instant mortgage calculations & approvals
  • Multi-bank comparison in seconds
ABOUT

Darnell Shane Garrison

Senior Mortgage Loan Originator NMLS #17118

I'm Darnell Shane Garrison (NMLS#17118), a seasoned Senior Mortgage Loan Originator with over 24 years of experience in the industry. Based in Tampa, Florida, I have the ability to originate residential purchases and refinances in 48 states.

I specialize in a wide range of loan products, including Conventional, VA, and FHA loans, and also have access to Non-Traditional Financing options. Additionally, I offer a Portfolio Line for Florida and Georgia and have a particular focus on Construction-to-Perm loans in these states.

With my extensive national experience, I am dedicated to helping clients secure the best possible financing solutions tailored to their needs.

Tailored Loan Solutions

Client-Focused Service

Clear Communication

Queen of Mortgages
About Me

Queen of Mortgages

Mortgage Broker NMLS #196099

Whether you’re buying, refinancing, or building your dream home, it’s important to work with an experienced and knowledgeable loan officer. As an expert in my field, I have the knowledge and resources you need to stay current with market conditions and frequently changing mortgage programs. Ensuring that you make the right choice for you and your family is my ultimate goal.

I am here to service all your residential, fix-and-flip, and hard-money lending needs. I work diligently alongside each of my clients and referral partners.Well-versed in continuously changing lending guidelines, I’ve been able to assist many people and look forward to more opportunities and challenges.

As your Loan Officer, I’ll provide the personalized attention you deserve. I’ll review your finances and goals and help you find the mortgage that best fits your needs. You can count on me to answer your questions and communicate with you through each step of the mortgage process. I’m dedicated to making your experience a positive one.

Please feel free to reach out at any time; I make myself available seven days a week.

Tailored Loan Solutions

Client-Focused Service

Clear Communication

The Right Structure + The Right Lender = A Real Chance

Every mortgage application is unique. Financial profiles are reviewed completely to match with lenders whose guidelines fit specific situations, not just one bank's standard requirements.

Salaried & Self-Employed Solutions
First-Time Home Buyer Programs
Refinance & Cash-Out Options
Access to 100+ Lending Programs
Credit Rebuild Solutions
FHA, VA & Conventional Loans

Loan Options Available

Whether buying a first home or investing in real estate, the right loan is available for any situation

01

First-Time Home Buyer Loans

Special programs designed for first-time buyers with lower down payments and flexible terms

02

FHA Loans

Government-backed loans with low down payment options and flexible credit requirements.

03

Refinancing Options

Lower your rate, reduce monthly payments, or change loan terms with refinancing

04

Conventional Loans

Traditional financing with competitive rates for qualified borrowers

Request Your Free Mortgage Case Review

Find out:

Qualification options after decline
Optimal lender selection for any situation
Possible interest rate & monthly payment estimate
Approval chances timeline

FAQ

How much home can be afforded?
Budget depends on income, monthly debts, credit profile, down payment, interest rate, taxes, and insurance. A pre-approval can help determine a realistic price range.
How much is needed for a down payment?
Down payment requirements vary by loan type, ranging from 0% to 3.5% for government-backed programs up to 20% for conventional options without private mortgage insurance.
What credit score is required?
Minimum credit score requirements depend on the loan program. Some options allow scores starting around 580, while conventional programs typically favor 620 or higher.
What documents are required to apply?
Standard documentation includes recent pay stubs, W-2 forms, tax returns, bank statements, and government-issued identification.
How long does the mortgage process take?
The process generally takes between 30 to 45 days from application submission to final closing, depending on documentation readiness and underwriting complexity.

A Decline Doesn't Always Mean No Qualification

Sometimes, it simply means an application hasn't been presented the right way — yet.

With the right experience and lender match, many previously declined applications find a clear approval path forward.

Left Column

Let’s Connect

Senior Mortgage Loan Originator | NMLS #17118

Whether buying, refinancing, or analyzing loan options, dedicated guidance is available to secure optimal financing solutions tailored to specific goals.

(816) 305-7038
dgarrison@centralbankfl.com
20701 Bruce B. Downs Blvd, Tampa, Florida 33647

Book a Consultation
Right Column
Mortgage Consultation

Let’s Connect

Mortgage Broker | NMLS #196099

Whether buying, refinancing, or analyzing loan options, dedicated guidance is available to secure optimal financing solutions tailored to specific goals.


Social Media
Book a Consultation
Mortgage Consultation