Rebecca Gardner

"That Mortgage Girl"    

Branch Manager 

Lake Tahoe - California and Nevada

NMLS: 226939


Geneva Financial, LLC - Home Loans


I have been a Mortgage Banker/Broker Professional with close to 30 years of experience in various aspects of the Mortgage and Real Estate Industry, including  originating, processing, underwriting, funding, mortgage placement and credit counseling.  I owned and operated an FHA/VA approved office in South Lake Tahoe, California for 18 years.

For these many years, I have worked achieving the goals of my clients in helping them realize “the American Dream” of home ownership.  During this time I have seen many changes in the market and have learned to adapt to market volatility.  My goals include coordinating efforts in researching and successfully locating financing to match the needs of my borrowers.  I like to think that one of my strongest assets include achieving satisfactory levels of customer service within this highly competitive Market.

Personally, I enjoy the opportunity to work with complicated loan scenarios and enjoy the challenge of attacking today's obstacles and making loans happen!

I am offering financing for homeowners and prospective homeowners, including Jumbo Loans, FHA/VA, Conventional, as well as multiple First time homebuyer products. We have also added several non-conforming loan products to our portfolio including Asset Depletion and Reverse Mortgages.

I look forward to working to make the magic of home ownership happen for you or your customers. I am excited to work with Geneva Financial, which is a great company with a wonderful growth platform. 

"That Mortgage Girl"


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Client Comments for Rebecca Gardner:

Thanks for the great news, Rebecca.  As I mentioned before, you did an awesome job getting everything done for the Kesslers  – not just here at the end, but with all else that was involved too. This-especially being my first financed transaction ever-was a great one!
~Andreas Schmalz, REALTOR
We are now settled into our new home in Legend Trail.  We love the place and the neighborhood.  We found our neighbors and the folks at the community center to be the most helpful.  Thank you for your patience and persistence in getting this deal through in such a smooth order and in such a short time frame.  I know that you are caught between the lender and the borrower, but you did a great job with both of us.  Some of the requests seemed inappropriate or out of line, but you kept me cool and we got all the information that was “necessary” in a timely fashion.  You were great-thank you. Sue and I both wish you the very best and we will not hesitate to send people your way if the occasion arises.
~John S. Campbell & Susan K. Campbell

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Rebecca, once again thank you, we so appreciate your diligence and perseverance to attend to all of the details of the loan and closing.  Contacting all who were needed was to us a daunting task, but you did it so well. If we were at home and had the paperwork accessible it would have been hard enough but being away was certainly more difficult for all.  You’re great and we wish you future success in all of your dealings.
~Marlene and Mel Kessler
Carolyn and I want to take this opportunity to thank you for all your help.  We especially appreciate the information and advice you provided.  Your assistance has been invaluable to us during this mortgage process.  Again, thank you very much.  We greatly appreciate your professionalism and friendliness.
~Carolyn & Paul Ciriello


Thank you for all your support.  The closing went smoothly and we have been funded.  It was a pleasure dealing with a professional who is so well versed in the mortgage business.  I could not ask for a better advocate.

~Ted Brauer

This is a note to give you my experience working with Rebecca Gardner.  I would have to say that my overall experience was very positive. Rebecca always kept us very well informed as to the progress of our mortgage and documentation that was required.  With the changes in the lending laws and dealing from out of state, this was certainly much more involved than any home purchase we have done in the past.  I was impressed that the transaction was completed on time.  Rebecca was great to deal with; I was always able to get in touch with her with my questions.  If I were to do this again, I would use Rebecca.
~Katherine Kinne

Rebecca, I want you to know how much I enjoyed working with you, and how much we appreciate all the extra things you did for us in pursuing this mortgage.  Helping Louis with his credit score was such a very nice thing for you to do – he certainly needed his score to improve and thanks to you it is!
~Vicki Levinson