Independent Mortgage Broker · Licensed in GA, FL, AL, TN & SC

Qualify Your Way. Build Real Wealth. Feel Confident, Start to Finish.

I'm Garrett Potz, an independent mortgage broker. Instead of pushing one bank's menu, I shop your loan across 45 lenders to find the rate, program, and terms that actually fit you — for buyers, homeowners, and self-employed business owners across five states, all from one person who answers the phone.

See What You Qualify For Why a Broker Beats a Bank

45 lenders shopped for you

Licensed in 5 states

Self-employed & business-owner specialist

Senior Loan Officer NMLS #631592

Independent Mortgage Broker

A broker works for you — not for one bank.

A bank can only offer its own loans. As a broker, I put 45 lenders to work competing for your business — so you see options a single bank will never show you. Same you, more doors, and a far better shot at the right rate and program.

45Lenders shopped
for your loan

5States licensed
GA · FL · AL · TN · SC

1Advocate in your corner
from first call to closing

Broker vs. bank: why it matters →

The Problem

If you write off your income, the bank writes off you.

You run a real business and make real money. But the moment a traditional lender opens your tax returns, your write-offs become reasons to deny you. Too many great borrowers get turned away — not because they can't afford a home, but because they were measured the wrong way.

The Fix

A loan officer who knows how the self-employed actually get paid.

I build qualifications around how your money really moves — bank deposits, 1099s, or a profit-and-loss statement — instead of a single line on a tax form. Then I walk you through every step in plain English, so you always know where you stand.

Conversation

We talk through your goals, your business, and how you're paid — no documents required yet.

Strategy

I match you to the right program: Bank Statement, 1099, DSCR, P&L, or a conventional loan.

Options

You get clear numbers — rate, payment, and break-even — and choose what fits.

Closing

I manage the file to the finish line and keep you updated the whole way.

Why work with me

Built for borrowers banks don't understand.

My business runs on referrals and reviews — which only happens when clients feel taken care of long after closing.

Programs banks won't mention

Bank statement, 1099-only, DSCR, and P&L qualification give self-employed borrowers a real path to approval.

Clarity, not pressure

No jargon and no hard sells — just straight numbers, honest tradeoffs, and answers when you have questions.

A neighbor, not a call center

I live and work in Cherokee County. You'll have my number, and I'll be here long after the keys change hands.

Loan Programs

The right program for how you actually earn.

Everything a buyer or homeowner needs — purchase and refinance, conventional, FHA, VA, and USDA — plus specialized financing for the self-employed and business owners.

Purchase Loans

Conventional, FHA, VA, and USDA loans for buyers across Georgia, Florida, Alabama, Tennessee, and South Carolina.

Learn more

Popular

Refinancing

Lower your rate, pull cash out, or consolidate debt. I'll run the break-even math so the move actually makes sense.

Learn more

Specialty

Bank Statement Loans

Qualify on 12–24 months of business or personal bank deposits instead of tax returns. Ideal for owners with strong cash flow and heavy write-offs.

See if you qualify

Specialty

1099 Income Loans

Built for contractors and commission earners. Qualify using your 1099s — no need for two years of complicated returns.

See if you qualify

Investor

DSCR Loans

Finance rental property based on the home's income, not yours. No personal income verification — perfect for growing a portfolio.

See if you qualify

Specialty

P&L-Only Loans

Qualify with a CPA-prepared profit-and-loss statement. A clean option for established businesses with organized books.

See if you qualify

Two ways to do this

The wrong loan follows you for decades.

Going it alone

Get told "no" because of write-offs you took legally
Never hear about programs you'd actually qualify for
Get handed off between people who don't know your file
Overpay on a rate you never had time to compare

With Garrett on your side

Qualified the right way for self-employed income
Matched to the program that fits your situation
One point of contact who knows your file by name
Clear rate options with the break-even spelled out

Rooted in Cherokee County

More than a loan officer in this community.

I don't just work here — my family lives here, and I'm invested in it on and off the clock. The relationships I build coaching and volunteering are the same ones that make me a better advocate for my clients.

Youth Football — Defensive Coordinator

Leading the defense for a local youth team — teaching effort, accountability, and how to compete the right way.

Travel Baseball Coach

Coaching youth travel ball — building skills, discipline, and teamwork on and off the field.

Chamber of Commerce Member

Active in the Chamber of Commerce, supporting small-business owners and local economic growth.

📷 A community photo
here lands hard —
coaching, a sponsor
banner, a local event
(1:1 square)

Questions

The things self-employed buyers ask most.

It's a loan that qualifies you on the money flowing into your bank accounts — usually 12 to 24 months of deposits — instead of your tax returns. It's designed for self-employed borrowers whose write-offs make their taxable income look smaller than their actual cash flow.

Very often, yes. A traditional bank can only offer its own products. I work with programs built specifically for self-employed and 1099 income, so a "no" at the bank is frequently a "yes" with the right program. It's worth a conversation before you give up.

In most cases my compensation comes through the loan, not out of your pocket. Wherever there are borrower-paid costs, I lay them out clearly and up front before you commit to anything. No surprises is the whole point.

Many loans close in about 21–30 days from application, depending on the program and how quickly we get documentation. I'll keep you updated at each stage so you always know what's next.

Yes. DSCR loans qualify based on the property's rental income rather than your personal income, which is ideal for investors building a portfolio. I also handle conventional investment financing.

Nothing at all. The first call is casual — we just talk through your goals and how your business is structured. From there I'll tell you exactly which documents we'll need when you're ready to move forward.

Qualify Your Way. Build Real Wealth. Feel Confident, Start to Finish.

A broker works for you — not for one bank.

If you write off your income, the bank writes off you.

A loan officer who knows how the self-employed actually get paid.

Conversation

Strategy

Options

Closing

Built for borrowers banks don't understand.

Programs banks won't mention

Clarity, not pressure

A neighbor, not a call center

The right program for how you actually earn.

Purchase Loans

Refinancing

Bank Statement Loans

1099 Income Loans

DSCR Loans

P&L-Only Loans

The wrong loan follows you for decades.

Going it alone

With Garrett on your side

Word of mouth is the whole business.

More than a loan officer in this community.

Youth Football — Defensive Coordinator

Travel Baseball Coach

Chamber of Commerce Member

Get a free second opinion on your loan estimate.

The things self-employed buyers ask most.

Let's find out what you actually qualify for.