Headshot of Christian Gardner

Christian Gardner

Loan Officer

The Gardner Team

NMLS #1639012

5601 Mariner St. Suite 101
Tampa, FL 33609
tel Phone
(813) 345-4275
cellphone Cell phone
(727) 365-4180
fax Fax


About Christian

Christian has a broad set of problem-solving skills. Along with a Finance Degree from USF, Christian studied political science at Cambridge's Selwyn College, worked for an attorney as a forensic accountant, and commercially fished offshore, just to name a few! All of those backgrounds serve him well in the mortgage industry. He is certified and federally licensed to work on any loan including VA, FHA, Conventional, Bank Statement, Foreign National, and even HECM for purchase loans, as well as many others! Christian is certainly better at pulling your loan through the system rather than waiting for something good to happen.

Cross Country Mortgage offers the support and capacity to ensure timely closings, concierge service, and constant communication through, and well after the loan has been closed. Choosing him will guarantee that all stones will be over-turned...Please think of him as a resource. It is important to Christian that you are more educated because of the process, not in spite of it, to obtain a much better understanding of the Post-Recession Mortgage World. He wants to be your loan officer for life!

When working with you, he will ensure you get the most efficient and seamless service possible, while making your home purchase experience both stress free and positive. With years of experience helping home buyers with their financing needs, his passion has always been putting clients first, listening to your financial goals and providing guidance and support through every step of the loan process.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Reach your homeownership goals

Choose from the tools below to help you achieve your homeownership goals or view all purchase and refinance tools.

  • There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at (813) 345-4275