A first purchase with a lot of questions — Tanner was patient with every one of them and made sure she understood each step before moving on.
Olivia H. · Kansas City, KSFirst-time buyer
Kansas City · both sides of State Line
Hey Tanner,
what's my payment?
That's the question every buyer actually wants answered first. So it's the one this site answers first — in plain English, from Tanner Garver and the Garver Group at Fairway Home Mortgage.
- ★ 4.96 · 978 verified reviews
- Scotsman Guide 2025 Top Originator
- Licensed in Kansas, Missouri, South Dakota & Wyoming
Tanner GarverThe Garver Group · Fairway
hey tanner 👋 what would my payment be on a $350k house in Overland Park?
Great question — that's literally my whole job 😄 Assuming 5% down and a sample 6.5% rate, you're looking at roughly…
try a price:
≈ $0/moprincipal, interest, taxes, insurance & PMI
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Average rating
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Verified reviews
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Teammates on every file
Scotsman Guide2025 Top Originator
Meet Tanner
Your Millennial Mortgage Guy — the plain-English lender Kansas City keeps recommending
Tanner Garver is a Co-Branch Manager with Fairway Home Mortgage in Overland Park, licensed on both sides of State Line and beyond. He built the Garver Group around one idea: buyers deserve a lender who explains things like a friend, answers the phone like it's an emergency, and closes on time like it's a personal rule.
Nearly a thousand verified clients later, the reviews say the same three things over and over — responsive, patient, clear. That's not an accident. That's the whole system.
The first-step path
Buying in Kansas City? Here's the order things actually happen in.
01
A 15-minute conversation
Text Tanner. He asks about your goals, your timeline and your budget — not your Social Security number.
02
A real pre-approval
Documents reviewed, credit pulled once, numbers underwritten. Agents in KC know what a Garver Group pre-approval means.
03
Kansas or Missouri — your call
Johnson County? Northland? Lee's Summit? Tanner is licensed in both states, so the side of State Line never limits your search.
04
Clear to close, on schedule
Cam keeps the file moving and you informed at every milestone. Closing day is the boring part — on purpose.
Loan programs
Every major option, explained without the sales pitch
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Learn more →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Learn more →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Learn more →USDA Loans
$0 down for homes in eligible smaller communities — many Kansas City exurbs qualify, and most buyers have no idea.
Learn more →Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Learn more →Down Payment Assistance
Kansas and Missouri both have real down payment help — state programs that can put thousands toward your down payment and closing costs for qualified buyers.
Learn more →Refinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Tanner will show you. When it doesn’t, he’ll tell you.
Learn more →No idea which one?
That's normal. Text Tanner what you're trying to do and he'll tell you which door to walk through.
Text 913-961-9943 →
The Garver Group
Three people. One file. Zero "let me get back to you."
Tanner structures the loan. Cam — licensed in Kansas and Missouri himself — runs your file from application to clear-to-close. Kimberlin keeps the agents, builders and past clients in the loop. You get one team that already knows your name.
TannerCo-Branch Manager
CamLoan Officer Assistant
KimberlinBusiness Development SpecialistReal clients, real reviews
Five stars.4.96 across 978 verified reviews
Across Experience.com & Google — real Kansas City buyers, verified after closing.
Helpful, informative and quick to respond; whenever something came up, Tanner calmly explained what was happening, what was needed and what came next.
Jeffory P. · Overland Park, KSPurchase
Clear, proactive, friendly communication from Tanner and the team — the whole process was smooth and streamlined.
Justin R. · Overland Park, KSPurchase
So much easier than expected. Questions answered fast, and the document upload app made the paperwork simple.
Brandy K. · Shawnee, KSPurchase
Worked with Cam on the file — always quick to respond and had answers for every question.
Cameron H. · Bonner Springs, KSWorked with Cam
Efficient and communicative from start to finish.
Tracy S. · Blue Springs, MOMissouri side
Made buying a home about as easy as it can be — and the thoughtful gift afterward was a nice touch.
Casey R. · Kansas CityPurchase
A first purchase with a lot of questions — Tanner was patient with every one of them and made sure she understood each step before moving on.
Olivia H. · Kansas City, KSFirst-time buyer
Helpful, informative and quick to respond; whenever something came up, Tanner calmly explained what was happening, what was needed and what came next.
Jeffory P. · Overland Park, KSPurchase
Clear, proactive, friendly communication from Tanner and the team — the whole process was smooth and streamlined.
Justin R. · Overland Park, KSPurchase
So much easier than expected. Questions answered fast, and the document upload app made the paperwork simple.
Brandy K. · Shawnee, KSPurchase
Worked with Cam on the file — always quick to respond and had answers for every question.
Cameron H. · Bonner Springs, KSWorked with Cam
Efficient and communicative from start to finish.
Tracy S. · Blue Springs, MOMissouri side
Made buying a home about as easy as it can be — and the thoughtful gift afterward was a nice touch.
Casey R. · Kansas CityPurchase
No dumb questions
The stuff nobody explains until you're already stressed
Escrow, PMI, rate locks, DTI, "conditions" — the process is full of words that sound scarier than they are. Tanner's Learn page translates all of it, and the First-Time Buyer hub walks the whole journey step by step.
is it dumb that I don't know what escrow means?
Not dumb at all — nobody teaches this. Escrow is just a holding account: part of your monthly payment sits there so taxes and insurance get paid on time. That's it. 🙂
Got a question? Just text Tanner.
No pressure, no jargon, no obligation — a straight answer from a Kansas City lender who picks up the phone. Text, call, or apply whenever you're ready.