About Gardner Lane
Gardner Lane is an accomplished mortgage professional with over 20 years of experience and currently Licensed in 49 States and Washington DC. He has a passion for helping home buyers, owners and builders to learn more about loan options. Known as a strong thinker with strong residential, FHA, VA and commercial mortgage acumen. With his past endeavors in real estate, owning and managing as many as 60 apartment units, he is skilled at educating customers about construction and renovation financing, home buying and refinancing solutions, as well as jumbo, adjustable-rate, and reverse mortgages. Beyond work, Gardner is quite active and civic minded. Most recently he has joined the Board at Moses Brown in Providence, RI. Another current labor of love is in heading up a $2.5M fundraising effort to build youth sports fields in his hometown of Westport, MA. Before moving east, he was an Alumni Trustee at the Latin School of Chicago. On a fun note, he was involved as a volunteer in the effort to bring the Olympics to the city of Chicago in 2016. He holds an MBA from DePaul University in Chicago concentrating in Real Estate Finance, his undergraduate degree is from the University of Colorado - Boulder.
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
We're in your pocket
We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
Monitor your loan status
Connect with your loan team
Calculators, tools, guides, and advice
Track your home value
Wellness tips to help you grow holistically
Download our app
Now available on
Located at 469 Angell Street, Suite 1 Providence RI, 02906
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google Inc.