Dawn Garrels- AnnieMac Home Mortgage
Mortgage Loan Originator| NMLS# 328038
Dawn understands that purchasing or refinancing a home is one of the most significant financial decisions you'll ever make. This is why she is committed to guiding you every step of the way, ensuring you're informed and empowered throughout... Show More
Location & Business Hours
Business Hours
Wed
8 AM to 6 PM
Thu
8 AM to 6 PM
Fri
8 AM to 6 PM
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Reviews from Web
From day 1 which mind you was a Sunday right before Christmas the communication was awesome. It didnt matter if it was day or night, and I am in Hawaii so a 5 hour difference from Florida dawn would answer her phone anytime I needed her. I...
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Reply from Dawn Garrels- AnnieMac Home Mortgag...
February 22nd, 2026 12:04 AM
Reading this absolutely fills my heart. ❤️From that very first Sunday before Christmas, I knew this journey was going to be special. The time difference didn’t matter, the questions didn’t matter, the obstacles didn’t matter — what mattered...
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Reply from Dawn Garrels- AnnieMac Home Mortgag...
February 17th, 2026 08:57 PM
Thank you for giving such a positive rating, Ricardo. It's great to know that your experience with me at AnnieMac Home Mortgage was a good one. If there's anything further I can help with or any questions you might have, feel free to get in...
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Dawn was very knowledgeable and explain to us the step by step process . It helps us to understand. She is very helpful and kind.
Reply from Dawn Garrels
February 4th, 2026 09:36 PM
I'm glad to hear that you found my guidance helpful and the explanations clear, Jaymz. It's important to me to ensure that the process is understandable and smooth for you. If there's anything more I can assist with, don't hesitate to reach...
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Dawn worked hard and made it possible and andres was amazing willing to show up for for me at any moment
Reply from Dawn Garrels- AnnieMac Home Mortgag...
January 23rd, 2026 03:09 PM
Thank you so much for your kind words. It truly means a lot to hear that my hard work made a difference for you. I’m grateful to have been part of your journey, and I couldn’t agree more — Andres is absolutely amazing and always shows up for...
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Dawn Garrels!!!! She exceded ALL of my expectations. She went out of herway to answer all of my concerns even when she was sick and at the hospital! Who else do you know who would this??
Reply from Dawn Garrels- AnnieMac Home Mortgag...
December 29th, 2025 04:10 PM
Thank you so much for this incredible review! Your kind words truly mean the world to me. 💛I’m grateful for the trust you placed in me throughout your homebuying journey. Even when life throws a curveball, my clients always come first — and...
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Dawn kept us informed and always prepared for the worst case scenario as far as our total payments but she made the best happen! Dawn has an absolute lovely personality which makes the process of buying a home easier when having someone you...
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Reply from Dawn Garrels- AnnieMac Home Mortgag...
December 22nd, 2025 03:20 PM
Tamika, thank you so much for this beautiful review! ❤️It was truly an honor to walk alongside you through your first home purchase. I’m so glad I could keep you informed, ease the stress, and help bring the best possible outcome to the table....
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Dawn was always available for questions and to offer advice. Process was fast and smooth.
Reply from Dawn Garrels
December 22nd, 2025 03:20 PM
Thank you so much, Matthew!I’m really glad the process felt fast and smooth for you — that’s always my goal. It was a pleasure being there to answer your questions and help guide you through each step.Congratulations again, and please don’t...
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Dawn was amazing!!! She made this all happen and was a dream to work with!!!
Reply from Dawn Garrels- AnnieMac Home Mortgag...
December 19th, 2025 05:31 PM
Thank you so much! 💛It was truly a joy to work with you, and I’m so grateful for your trust throughout the process. Knowing I could help make this happen for you means the world to me. I’m always here if you need anything in the future! 🏡✨...
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My experience with Dawn has been amazing. She went above and beyond to ensure we were able to close as quickly as possible. I will definitely be recommending her to all of my clients.
Reply from Dawn Garrels- AnnieMac Home Mortgag...
December 19th, 2025 01:45 AM
Thank you so much for your kind words! 🩵It was truly a pleasure working with you, and I’m so glad we were able to move things along quickly and get you to the closing table. Your trust means a lot to me, and I’m incredibly grateful for your...
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About
Dawn understands that purchasing or refinancing a home is one of the most significant financial decisions you'll ever make. This is why she is committed to guiding you every step of the way, ensuring you're informed and empowered throughout the process. With a comprehensive background in various mortgage lending facets, Dawn is equipped to assist with diverse needs—whether you're a first-time homebuyer, seeking a new home, or exploring refinancing options. Specializing in Conventional, Jumbo, FHA, VA, USDA, and Renovation loans, her goal is to find not just any loan, but the perfect one for you.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Fixed Rate Mortgages
USDA Loans
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Memberships
- Florida Association of Mortgage Professionals (FAMP)
- MBA Mortgage Bankers Association
- NMLS
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2001
Time Zone
Eastern Standard Time (EST)
Licenses
- 328038
Achievements
- Supported LO's within the Top 100 Lenders List (2006)
Hobbies
- Family, Fishing 🎣& Football🏈 and the beach 🏖️
- Football
- Fishing
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Disclaimer
©2026 American Neighborhood Mortgage Acceptance Company LLC (dba AnnieMac Home Mortgage). Corporate NMLS# 338923 (http://www.nmlsconsumeraccess.org/). AnnieMac Home Mortgage is an Equal Housing Opportunity. For a complete list of our licensed states visit: https://annie-mac.com/licensing. American Neighborhood Mortgage Acceptance Company LLC (dba AnnieMac Home Mortgage) is not affiliated with the U.S. Department of Veteran’s Affairs, the U.S. Department of Housing and Urban Development, the U.S. Department of Agriculture, or any other Federal Government Agency.