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 truly cares about helping people in to houses. He is a hard worker and committed to his clients. We are truly blessed to have him as part of the SouthState family!
If professionalism had to be given a face, Joel Gardner would be the guy. He has a team that works HARD beside him, while he works EVEN HARDER for the client. I was truly IMPRESSED but, most of all BLESSED to have him working on my behalf.
Joel was a Gentleman and a Scholar through and through.
Very attentive to my family and I needs, All around Knowledgeable on the housing market and what it takes to get you in a home,and willing to go through the necessary steps to get you there.He went over and beyond for me and my family and he had ample amount of times to give up and call it quits but chose to stick with us and encouraged motivation.He has a remarkable team behind him that's unmatched and carries the same tenacity.And for that I'm FOREVER GREATFUL.Thanks to South State Mortgage for their part,but hands down Joel Gardner and his team gets the job done by ALL MEANS...BIG SALUTE to Joel Gardner
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
