Helping homebuyers in Missouri buy homes with confidence and without the stress.


Hi, I'm Laura Gardner, a mortgage loan officer based in Missouri, helping clients navigate the home financing process with clarity and confidence.


I specialize in working with upsizing, downsizing, and rightsizing across St. Louis, Ballwin, Town & Country, Ellisville, Manchester, Kirkwood, and Webster Groves, offering tailored loan solutions and a smooth, transparent experience from start to finish. With 36 years of experience, I've helped over 3,000 clients!


Whether you're:  
- Buying your first home  
- Exploring refinancing options  
- Looking into programs like Jumbo, DR, Reverse  
I'll walk you through your options and help you choose the right strategy—not just the easiest one. I excel at helping with fast closings and complex deals.


What sets me apart:  
- Clear, honest communication—no surprises  
- Fast, reliable pre-approvals to help you win offers  
- A hands-on, local approach backed by top-tier technology  
- A focus on education so you feel confident every step of the way


Do you need 20% down to buy a home?  
No—many buyers qualify with as little as 3–5% down depending on the loan program.


What credit score do you need?  
It varies, but there are options available even if your credit isn't perfect.


How much home can you afford?  
That depends on your income, debt, and goals—I'll help you break it down clearly.


I pride myself on listening to others and my heart, and I'm proud to be a trusted resource for both buyers and local real estate agents. I have received President's Club at Guaranteed Rate Affinity from being a top producer and also have my Reverse Mortgage certification.


My clients praise me for fast responses, step by step guidance, and weekend availability. Check out my client reviews, though, to see what it's like to work together. When I'm not helping clients, you'll find me as a happy Mother with lifelong friendships. I also enjoy gardening.


I believe this business is about relationships—and being someone people can rely on long after closing.


If you're thinking about buying, refinancing, or just want to explore your options, let's connect.

VP of Mortgage Lending

Laura Gardner is your Town and Country local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Laura is committed to helping homeowners with home purchase loans and refinances. Contact Laura at (314) 824-1508 for more information!

Laura Gardner at Guaranteed Rate Affinity (NMLS #308093)

As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Wil Glidewell is your Town and Country local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Wil is committed to helping homeowners with home purchase loans and refinances. Contact Wil at (314) 729-7854 for more information!

Wil Glidewell at Guaranteed Rate Affinity (NMLS #271736)

Town and Country

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2 Loan Officers Town and Country, MO