Garrett Harrison
Mortgage Loan Originator
NMLS# 1958816
970-257-9981
About Garrett Harrison
The Mortgage Road Map
Mortgage Calculator
Documents You Need To Start
Contact Garrett
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Garrett Harrison
Mortgage Loan Originator
NMLS # 1958816
970.257.9981
About Garrett Harrison
I am Garrett. The majority of the Grand Valley knows me as Gravy, a little league baseball nickname that happened to stick. I have lived in the valley for over 10 years and am lucky to call Grand Junction my home. When I am not at work you can find me teeing it up at golf courses across the state. Before becoming an LO I played collegiate golf for Colorado Mesa University and graduated with my master’s degree in management from Durham University in the United Kingdom.
Garrett’s Qualifications
I am the construction coordinator and a Loan Officer for the Ryar Team. I have over 5 years of management and sales experience, as well as a master’s degree in business. I am proficient in Microsoft office and most adobe products. I currently work out of the Major Mortgage Grand Junction, Colorado branch.
Garrett’s Areas Of Expertise
I strive to make the home buying and refinancing process as easy and efficient as possible. I specialize in Conventional, FHA, VA, USDA, Construction, and DPA loans and put every effort in to make all loans work, regardless of circumstance. Buying a home is the biggest investment the majority of people will make in their life and I will be with you every step of the way.
Loan Products
Roadmap To Your New Home Loan
Step One: Pre-Qualification
We will have you fill out an application on our website. This will allow us to pull credit. We will also collect income and asset documentation to make sure you have a solid pre-qualification. Once you are pre-qualified, we can give you an idea of the price range of house you can afford, so that you can start house shopping!
Step Two: House Shopping
Once you have been pre-qualified, you can contact your agent or realtor and start shopping for houses you like in the range you can afford. Once you find a house you want, you will make an offer and we will begin the process of setting up your loan.
Step Three: Setup and Processing
Once your loan moves to processing we will be updating and verifying all of the information you provided to us at pre-qualification. We will also order and appraisal, title work and insurance for your property. Keep an eye out for communications from us so that you can help us make the process faster. Processing will analyze your situation and prepare your loan for Underwriting.
Step Four: Underwriting
Once your loan has made it through processing it will move to our Underwriting Department. Underwriting will review your loan and all documentation to verify that it meets all guidelines and make sure everything is in the clear for closing.
Step Five: Closing
You will receive closing instructions with the day, time, and location of your closing. You will also receive a Closing Disclosure 3 days before you loan closing date that you will need to sign so keep a look out for it.
Step Six: You’re A Homeowner!
Congratulations! You’re A New Homeowner!
Mortgage Calculator
Documents You’ll Need To Get Started
30 Days Most Recent Pay Stubs
We use this to make sure we have an accurate income calculation upfront and to speed up your approval process.
Driver’s License and Social Security Card
Required for all loans as part of the patriot act.
Copy Of Mortgage Statement For All Properties Owned
We need these for all properties you own so that we know which loans go with which properties.
Previous 2 Years W-2s or 1099s
We use this to make sure we have an accurate income calculation upfront and to speed up your approval process.
Homeowner’s Insurance Agent Name and Phone Number
Please provide us with the name and phone number for your agent. We can give referrals if needed.
Copy Of Most Recent Two Years Tax Returns
If you’re self-employed, have rental property, or certain types of dividend, or retirement income we may have to ask you for a copy of your tax returns. This would also include business tax returns for self-employed borrowers.
Office: 970.257.9981
Mobile: 970.433.6394
Email: gharrison@majormtg.com
Grand Junction, CO 81505