Megan Garant- Mortgage Advisor

Megan Garant- Mortgage Advisor NEO Home Loans Powered by Better NMLS # 330511 Equal Housing Lender-Megan Garant | Producing Branch Manager | NMLS #1503244 Equal Housing Lender. NMLS #150953. S.

When people ask me “why did you chose your profession”? I can honestly answer my passion for teaching wealth through homeownership to my clients and partners. As a mortgage loan advisor, my number one goal is always education. I strive to educate new and returning borrowers to better navigate the mortgage industry. It is very important to me to provide value to the people around me, including mortgage advisors working with me. With my 25 years in the real estate business I have been able to guide many people on their path to home ownership. Working to help everyone I serve grow their wealth and knowledge, including clients and my team members alike. I am a devoted wife and proud mother, any free time I get is spent with my husband, Justin, and our two incredible kids who are now adults. We love to travel, a nice dinner out with friends or just hanging out at home with our two Shih-Tzus. Real estate is a relationship business and I would love to connect with you whether you are looking to buy/sell now or down the road. Furthermore, if you are interested in the mortgage industry as a career I would love to share my knowledge and experience with you as well. Please reach out, let’s connect.

© 2024 NEO Home Loans

For licensing information, go to: www.nmlsconsumeraccess.org | www.goluminate.com | Please review our Disclosures & Licensing information. | Luminate Home Loans, Inc. is a wholly-owned subsidiary of Luminate Bank. For further information about Luminate Home Loans, Inc., please visit our website at www.goluminate.com. Luminate Home Loans, Inc. Corporate Headquarters: 2523 Wayzata Blvd. Suite 200, Minneapolis, MN 55405

Before you apply for a mortgage, it helps to know what your finances look like from a lender’s perspective.Your down pay...
09/24/2026

Before you apply for a mortgage, it helps to know what your finances look like from a lender’s perspective.

Your down payment is important, but so are the funds you’ll have left after closing and the debt you’re carrying into the application.

A little preparation beforehand can help you understand your options and avoid unnecessary surprises later.

The goal isn’t just to get approved. It’s to be prepared for the homeownership that comes after.

DM “NEO” if you’re thinking about buying and want to talk through where you stand.

A cosigner can help you qualify, but it’s a decision that affects more than just your mortgage application.When someone ...
09/23/2026

A cosigner can help you qualify, but it’s a decision that affects more than just your mortgage application.
When someone cosigns, they take on responsibility for the loan too. The mortgage can appear on their credit and may affect their ability to qualify for another loan or refinance.

That’s why it’s important to talk through the “what ifs” before anyone signs.
What happens if your income changes?
Who will make the payments?
What happens if you want the cosigner off the loan later?

A cosigner can be a useful option when you’re close to qualifying, but it should come with clear expectations and a plan for the future.
Wondering if a cosigner is right for you? DM “NEO” to find out.

You see a mortgage advisor running numbers. There’s a lot more happening behind the scenes. When we compare mortgage opt...
09/22/2026

You see a mortgage advisor running numbers. There’s a lot more happening behind the scenes. When we compare mortgage options, we’re looking beyond the rate and approval amount.

We’re considering the total cost, your cash after closing, your monthly payment, and how the mortgage fits with your other financial goals.
Because getting approved is only one part of buying a home.

The bigger question is whether the mortgage makes sense for the financial life you’re building. That’s why the right strategy starts with looking at the whole picture, not just one number.

Thinking about buying? DM “NEO” to get started.

09/17/2026

The part of homebuying I love most is seeing what all the planning was working toward.

The saved dollars. The answered questions. The conversations about what actually fits your life.

One day, you’ll be standing in that new home looking at a pile of boxes and realizing all those little decisions added up to something much bigger.
That’s why the planning matters.

When the time is right, you want to be ready to move forward with a plan that makes sense for you, not just a house you fell in love with.

DM “NEO” when you’re ready to start planning.

Waiting for lower rates could mean paying more for the home later.A $400K home today could cost $430K later if home pric...
09/14/2026

Waiting for lower rates could mean paying more for the home later.
A $400K home today could cost $430K later if home prices rise, even if mortgage rates improve.

That’s why the decision isn’t simply about waiting for the “perfect” rate.
Your finances, timeline, and long-term goals matter too.
At NEO Home Loans, we help you look at the bigger picture and understand what makes sense for you.

DM “NEO” to explore your options.

A mortgage is a big decision, so knowing what to look for matters.Before choosing a loan, compare your options, ask abou...
09/13/2026

A mortgage is a big decision, so knowing what to look for matters.
Before choosing a loan, compare your options, ask about available assistance, and look beyond the interest rate.

At NEO Home Loans, we help you understand the full picture so you can choose a mortgage strategy that fits your goals.
DM “NEO” to explore your options.

Your home may be giving you more financial options than you realize.As your home value, finances, and goals change, your...
09/12/2026

Your home may be giving you more financial options than you realize.
As your home value, finances, and goals change, your mortgage may be worth another look.

Refinancing could help you:
1. Lower your monthly payment
2. Adjust your loan term
3. Access available home equity
4. Revisit your overall mortgage strategy

But refinancing isn't simply about finding a lower rate.
It’s about finding out whether a new loan makes sense for your financial goals today.

At NEO Home Loans, we look at the bigger picture so you can make a decision with confidence.
DM “NEO” to explore your options.

A lower starting payment can look appealing, but there’s more to compare.A fixed rate offers predictable payments, while...
09/10/2026

A lower starting payment can look appealing, but there’s more to compare.

A fixed rate offers predictable payments, while a temporary buydown lowers payments for a limited period before they increase.
The right choice depends on your budget, timeline, and goals.

At NEO Home Loans, we help you look at the bigger picture before choosing a mortgage strategy.
DM “NEO” to compare your options.

09/08/2026

The part of homebuying I love most is seeing what all the planning was working toward.

The saved dollars. The answered questions. The conversations about what actually fits your life.

One day, you’ll be standing in that new home looking at a pile of boxes and realizing all those little decisions added up to something much bigger.
That’s why the planning matters.

When the time is right, you want to be ready to move forward with a plan that makes sense for you, not just a house you fell in love with.
DM “NEO” when you’re ready to start planning.

Buying a home together means agreeing on more than the address and purchase price.The part worth talking through is what...
09/04/2026

Buying a home together means agreeing on more than the address and purchase price.
The part worth talking through is what happens after the excitement wears off.

What does the payment look like if one income changes?
Can you keep saving for your next goal?
Do you still have room for repairs, travel, or the unexpected?

That’s why I want buyers to look beyond what they qualify for and think about what actually fits the life they’re building.
The right mortgage shouldn't just work on closing day. It should still make sense after it.

Planning to buy together? DM “NEO” and let’s look at what a comfortable payment could look like for both of you.

Address

Bakersfield, CA

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 8am - 8pm
Sunday 8am - 5pm

Telephone

+16613315108

Website

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