Garrett Law
VA Loan & Mortgage Loan Originator
Las Vegas, Nevada | NMLS #20750
Garrett Law, MLO NMLS#: 20750
FOUNDER & CEO | LICENSED MORTGAGE LOAN ORIGINATOR
I am a Las Vegas-based Mortgage Loan Originator with decades of experience in VA home loans, FHA loans, conventional mortgages, refinancing, and complex loan scenarios. After thousands of successful closings, I have learned that borrowers usually need more than a rate quote. They need someone who can review the full financial picture, explain the loan options clearly, and help them understand the costs before they make a decision.
Through MortgageFriend, I work with home buyers, homeowners, Veterans, and military families across the states where I am licensed. That includes VA purchase loans, VA cash-out refinance, VA IRRRL, FHA and conventional financing, debt consolidation, first-time home buyer loans, and alternative income documentation options when a standard mortgage does not fit.
Competitive interest rates and fair closing costs matter, but so do points, lender credits, mortgage insurance, closing costs, loan terms, documentation, and underwriting requirements. My job is to help you compare those details and for you to choose a better mortgage that makes sense for your goals.
VA & Mortgage Lending Experience
TRAINING
I attended Utah Valley University, where I studied Business Administration and Management. I began my career in mortgage lending while working on my degree, gaining early experience with home loans, borrower qualification, loan structure, and the financial decisions that come with buying or refinancing a home.
APPROACH
With more than 43 state-issued Mortgage Loan Originator licenses and thousands of closed loans, I understand how credit, income, assets, debt, loan programs, documentation, underwriting, and timing all come together. My approach is to compare the available mortgage options, explain the tradeoffs in plain English, and help borrowers understand the loan before they commit to it.
CERTIFICATIONS AND ACCOLADES
VA home loans | 100% VA cash out refinance loans
VA interest rate reduction loans | Down Payment assistance
VA construction loans | Improving credit scores for home loans
No tax return home loans for high-net-worth clients
Smart mortgage strategy | Lower interest and closing costs
Digital Mortgage Friend | Purchase home loan
MortgageFriendSetting The Bar
In The Lending World
VA & Mortgage Lending Experience
TRAINING
I attended Utah Valley University, where I studied Business Administration and Management. I began my career in mortgage lending while working on my degree, gaining early experience with home loans, borrower qualification, loan structure, and the financial decisions that come with buying or refinancing a home.
APPROACH
With more than 43 state-issued Mortgage Loan Originator licenses and thousands of closed loans, I understand how credit, income, assets, debt, loan programs, documentation, underwriting, and timing all come together. My approach is to compare the available mortgage options, explain the tradeoffs in plain English, and help borrowers understand the loan before they commit to it.
CERTIFICATIONS AND ACCOLADES
VA home loans | 100% VA cash out refinance loans
VA interest rate reduction loans | Down Payment assistance
VA construction loans | Improving credit scores for home loans
No tax return home loans for high-net-worth clients
Smart mortgage strategy | Lower interest and closing costs
Digital Mortgage Friend | Purchase home loan
MortgageFriendDECADES OF MORTGAGE
LENDING EXPERIENCE
MEET YOUR LICENSED MORTGAGE PROFESSIONALS
(Just Call Them Your Mortgage Friend)
Licensed Loan Originator
NMLS#: 1526786
Licensed Loan Originator
NMLS#: 380907
Licensed Loan Originator
NMLS#: 1572067
Licensed Loan Originator
NMLS#: 2233399
Licensed Loan Originator
NMLS#: 162502
A strong mortgage process depends on the people managing the loan as much as the program itself. MortgageFriend’s licensed Mortgage Loan Originators work with VA, FHA, conventional, refinance, and alternative income documentation loans across the states where they are licensed.
Our team reviews loan files, communicates with lenders, helps respond to underwriting conditions, and keeps borrowers informed from application through closing. That experience can be especially important when a mortgage involves self-employment, credit challenges, variable income, unusual properties, or other details that require closer attention.
We also invest in technology that helps track, manage, and organize each transaction from start to finish. By automating key tasks and monitoring important milestones, our Loan Officers can stay focused on the details that matter most: identifying potential hurdles, helping structure the loan properly, and guiding borrowers through the closing process.
The result is a more organized mortgage experience, clearer communication, and a team built to help clients move forward with confidence.
MORTGAGE BROKER IN LAS VEGAS, GARRETT LAW — READ THE LATEST BLOGS
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Equal Housing Opportunity
Mortgage Friend, LLC supports and is in compliance with all Equal Housing Opportunity laws.
Mortgage Friend, LLC is a licensed mortgage brokerage specializing in originating residential mortgage loans.
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© 2026 Mortgage Friend, LLC™. All Rights Reserved. Mortgage Friend, LLC is not affiliated with any U.S. Government agency, nor do we represent any of them. Mortgage Friend, LLC Corporate Address: 6900 Westcliff Dr, Suite 801, Las Vegas, NV 89145, 725-280-2211. VA ID 9400070000 . Click on these links to access our Privacy Policy and our Licensing Information. Consumer’s total finance charges may be higher over the life of the loan.
License look up on NMLS Consumer Access http://www.nmlsconsumeraccess.org | Alabama Mortgage Broker License No. 2790673; Arizona Mortgage Broker License No. MB-2014803; Licensed by the Department of Financial Protection and Innovation under the California Finance Lenders Act License No. 60DBO-215424; Colorado Mortgage Company Registration License NMLS ID# 2790673; Florida Mortgage Broker License No. MBR8399; Indiana SOS Brokers License NMLS # 2790673; Kentucky Mortgage Broker License No. MB940046; Maryland Mortgage Lender License NMLS # 2790673; Nevada Mortgage Company License No. NMC-162414; North Carolina Mortgage Broker License No. B-233518; Ohio Residential Mortgage Lending Act Certificate of Registration No. RM.805555.000; Oklahoma Mortgage Broker License No. MB017939; Tennessee Mortgage License NMLS ID# 2790673; Texas – SML Mortgage Company License NMLS ID# 2790673; Utah-DRE Mortgage Entity License No. 14271899; Virginia Broker License No. MC-8166.