Skip to content

Good Things Take Time...

We Help You Get There.

Good Things Take Time...

We Help You Get There.

Owning a home can offer stability, financial growth potential, personalization freedom, valuable tax benefits and serve as a valuable asset for future generations.

Owning a home can offer stability, financial growth potential, personalization freedom, valuable tax benefits and serve as a valuable asset for future generations.

Get Preapproved

Begin my online application.

Request A Quote

See my loan scenarios.

If you have any questions you can always contact one of our team members directly.

Ciara Bard Headshot

Welcome

At Bard Mortgage, we believe that homeownership is a journey, and we’re here to guide you every step of the way. Whether you’re a first-time buyer or looking to refinance, we understand that preparing for a new home can feel overwhelming. That’s why we’re committed to helping you every step of the way—from understanding your mortgage options to securing the best rates and ensuring you’re fully prepared for the process ahead.

We take the time to listen to your needs, explain your options clearly, and provide expert advice tailored to your unique financial situation. With us by your side, you’ll feel confident and empowered, knowing you’re making the right decisions for your future.

Together, we’ll turn your homeownership dreams into a reality. Let’s get started—because your perfect home is closer than you think!

Get Preapproved

Begin my online application.

Request A Quote

See my loan scenarios.

Calculator

Look at some comparisons.

Learn from us

How to Use a Mortgage Calculator to Plan Your Home Purchase

How to Use a Mortgage Calculator to Plan Your Home Purchase

Why a Mortgage Calculator Matters Buying a home is one of the biggest financial decisions you’ll ever make—and it’s important…

What to Expect in the Housing Market This September

What to Expect in the Housing Market This September

Seasonal Shifts in Real Estate As summer winds down and families settle into the new school year, the housing market…

Understanding the Tax Benefits of Homeownership

Understanding the Tax Benefits of Homeownership

Owning a Home Comes with More Than Just Pride Homeownership is one of the biggest financial steps many people take—and…

Our amazing team

The most important asset to our company, is our people. Our team was built with you as our focus.

Ja'Kayla Garnett
Ja’Kayla Garnett
Loan Processor
View Profile

Tell us your story

Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.

We pride ourselves on excellent communication and easy accessibility when you need us. Our experienced staff is here to guide you every step of the way.

Fill out the questionnaire on this page to start a discussion about your mortgage needs today!

Read our reviews

Our reputation

client reviews

See Reviews

We take pride in our reputation.

Back To Top