FHA Loans
Joel Gardner
Mortgage Sales Manager | Senior Vice President
NMLS #: 1090818
600 Luckie Drive, Birmingham, AL 35223
About Joel Gardner
Joel Gardner is an accomplished professional with an impressive track record in the mortgage industry, currently serving as the Senior Vice President and Mortgage Sales Manager at SouthState Bank in Birmingham, Alabama. Joel's journey in the world of finance began after graduating from Hampton University in 2011 with a degree in Business Administration.
Boasting a wealth of experience amounting to 11 years in the mortgage sector, Joel has established himself as a trusted expert in facilitating the dreams of aspiring homeowners.
Joel's expertise extends to a diverse range of clients, with a particular focus on assisting first-time homebuyers and individuals exploring renovation and construction loans. In addition to his role in loan origination, Joel assumes the responsibility of overseeing the Birmingham market for the mortgage division, playing a pivotal role in the growth and success of the local market.
As an active member of various professional organizations, Joel is affiliated with the National Association of Real Estate Brokers (NAREB), the Birmingham Urban League, the Hampton Alumni Association, and the Rotaract Club of Birmingham. His commitment to community service is further underscored by his role as a Board Member of the Birmingham Land Bank Authority and active involvement in the Alpha Phi Alpha Fraternity and the Woodland Park Church of Christ.
Joel's dedication to community development and excellence in the mortgage industry has not gone unnoticed. He received acclaim from The Birmingham Times in September 2018 and November 2023 and was recognized by the Alabama Housing Authority as a Leading Lender in March 2021. The Birmingham Business Journal also acknowledged Joel as one of the Rising Stars in Real Estate in September 2018.
Beyond his professional achievements, Joel finds joy in helping customers achieve their homeownership goals, volunteering in the community, and pursuing personal interests. An avid Anime enthusiast, Joel also enjoys spending quality time with his beloved chocolate lab, Toussaint. As a sports enthusiast, he proudly cheers for the Crimson Tide and the Dallas Cowboys, reflecting his passion for both collegiate and professional football.
Joel Gardner stands as a dynamic professional whose expertise, community engagement, and commitment to excellence continue to make a lasting impact in the mortgage industry and the Birmingham community at large.
Boasting a wealth of experience amounting to 11 years in the mortgage sector, Joel has established himself as a trusted expert in facilitating the dreams of aspiring homeowners.
Joel's expertise extends to a diverse range of clients, with a particular focus on assisting first-time homebuyers and individuals exploring renovation and construction loans. In addition to his role in loan origination, Joel assumes the responsibility of overseeing the Birmingham market for the mortgage division, playing a pivotal role in the growth and success of the local market.
As an active member of various professional organizations, Joel is affiliated with the National Association of Real Estate Brokers (NAREB), the Birmingham Urban League, the Hampton Alumni Association, and the Rotaract Club of Birmingham. His commitment to community service is further underscored by his role as a Board Member of the Birmingham Land Bank Authority and active involvement in the Alpha Phi Alpha Fraternity and the Woodland Park Church of Christ.
Joel's dedication to community development and excellence in the mortgage industry has not gone unnoticed. He received acclaim from The Birmingham Times in September 2018 and November 2023 and was recognized by the Alabama Housing Authority as a Leading Lender in March 2021. The Birmingham Business Journal also acknowledged Joel as one of the Rising Stars in Real Estate in September 2018.
Beyond his professional achievements, Joel finds joy in helping customers achieve their homeownership goals, volunteering in the community, and pursuing personal interests. An avid Anime enthusiast, Joel also enjoys spending quality time with his beloved chocolate lab, Toussaint. As a sports enthusiast, he proudly cheers for the Crimson Tide and the Dallas Cowboys, reflecting his passion for both collegiate and professional football.
Joel Gardner stands as a dynamic professional whose expertise, community engagement, and commitment to excellence continue to make a lasting impact in the mortgage industry and the Birmingham community at large.
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Recent Reviews
Joel and his team have been great in assisting my clients with all their mortgage needs.
Joel is a rare gem! It’s always amazing working with him to get our clients to the closing table but this go around, I was his client! From the beginning, he tailored my specific loan product for my needs. I witnessed firsthand his elite ability to troubleshoot. There were times where I became difficult but Joel maintain a positive spirit because he knows he can get the deal done!
I highly recommend Joel!
Mr Joel and his team where spot on and excellent with everything that they helped me with had a lil set back with another incident and was hesitant on looking for a home again but Mr Joel and his team assured me there would be no issues along the way and now I’m looking to close on my first home tomorrow I truly truly appreciate it and him and his team made this process so easy and smoothly with no complications again I wanna say thank you so much
First-Time Buyer Resources
- Resources for first-time homebuyers
- Tips for improving your credit score
- Get information on pre-qualifying
- Learn about the loan process
- Find a checklist of information you'll need to gather
- Learn about Down Payment Assistance programs
