{"id":4371,"date":"2026-04-01T21:31:46","date_gmt":"2026-04-02T03:31:46","guid":{"rendered":"https:\/\/utahpim.com\/?page_id=4371"},"modified":"2026-05-17T13:51:40","modified_gmt":"2026-05-17T19:51:40","slug":"bj-gardner","status":"publish","type":"page","link":"https:\/\/utahpim.com\/?page_id=4371","title":{"rendered":"BJ Gardner"},"content":{"rendered":"\t\t
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BJ Gardner<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Key Bank<\/strong><\/h4>

Senior Loan Officer<\/strong><\/span><\/h3>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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BJ Gardner<\/strong><\/p>

Specialty Loan Officer<\/strong><\/p>

NMLS #295965<\/strong><\/p>

UT-51-TW-2609<\/p>

36 South State Street,<\/p>

Salt Lake City, UT 84111<\/p>

Mobile: 801-750-2838<\/strong><\/p>

Fax: 216-370-9457<\/p>

bj_gardner@keybank.com<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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About BJ<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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I began my career in mortgage lending in 2001 while working my way through college. What started as an opportunity quickly became a passion. By the time I graduated with a Finance degree from the University of Utah in 2006, I had discovered how meaningful it was to help individuals and families navigate one of the most important financial decisions of their lives.<\/u><\/u><\/strong><\/p>

<\/u>\u00a0<\/u><\/strong><\/p>

I am passionate about educating my clients and empowering them to maximize their opportunities. Whether someone is purchasing their first home, financing a custom luxury property, or building long-term wealth through real estate, my goal is to ensure they feel confident, informed, and supported throughout the entire process.<\/u><\/u><\/strong><\/p>

<\/u>\u00a0<\/u><\/strong><\/p>

In 2011, I partnered with KeyBank, a lender that shares my commitment to delivering exceptional client service and competitive mortgage solutions. KeyBank has established itself as a market leader in mortgage lending, with innovative programs designed to serve a wide range of clients \u2014 including specialized physician loan programs and tailored options for emerging affluent professionals. We proudly serve clients across much of the United States, with a strong focus on the Utah market.<\/u><\/u><\/strong><\/p>

<\/u>\u00a0<\/u><\/strong><\/p>

Through our deep integration with the broader banking platform, we offer comprehensive financial solutions that grow alongside our clients. Whether you are entering the housing market for the first time, expanding your real estate portfolio, or building a business for long-term success, we have the resources and expertise to support your journey.<\/u><\/u><\/strong><\/p>

<\/u>\u00a0<\/u><\/strong><\/p>

Above all, I believe in relationships over transactions. Every client receives the same level of dedication, care, and attention \u2014 regardless of loan size or complexity. My commitment to service has resulted in consistently high client satisfaction throughout my career.<\/u><\/u><\/strong><\/p>

<\/u>\u00a0<\/u><\/strong><\/p>

I look forward to the opportunity to help you with your mortgage needs and to forging a lasting relationship built on trust, clarity, and results.\u00a0 To schedule a free consultation, please email, text, or call.<\/strong><\/u><\/u><\/p>

<\/u>\u00a0<\/u><\/p>

BJ Gardner<\/u><\/u><\/b><\/p>

Specialty Loan Officer<\/u><\/u><\/b><\/p>

NMLS #295965<\/u><\/u><\/b><\/p>

UT-51-TW-2609<\/u><\/u><\/p>

36 South State Street,<\/u><\/u><\/p>

Salt Lake City, UT 84111<\/u><\/u><\/p>

Mobile: 801-750-2838<\/u><\/u><\/b><\/p>

Fax: 216-370-9457<\/u><\/u><\/p>

bj_gardner@keybank.com<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Testimonials<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  • \u201cBJ was great to work with!\u201d\u00a0 \u2014\u00a0Dr. Shane W., Farmington, UT<\/b><\/u><\/u><\/span><\/li>
  • \u201cBJ Gardner – totally on top of details.\u201d\u00a0 \u2014\u00a0Lawrence M., Murray, UT<\/b>\u00a0(Clinical Admin Manager at a local hospital chain) \u00a0<\/u><\/span><\/li>
  • \u201cBJ Gardner is great, we appreciate him!\u201d \u2014\u00a0Dr. Larisse S., Murray, UT<\/b><\/u><\/span><\/li>
  • \u201cHe went above and beyond. If we ever need another loan, we will work with him.\u201d \u2014\u00a0Kaisha R., Kaysville, UT<\/b>\u00a0(wife of MD<\/u><\/i>)\u00a0<\/u><\/span><\/li>
  • \u201cBJ Gardner is awesome! Everything was communicated well and in a timely manner.\u201d \u2014\u00a0Michelle M., Salt Lake City, UT<\/u><\/u><\/b><\/span><\/li>
  • \u201cBJ was able to simplify the process by explaining items and walking us through the entire process.\u201d \u2014\u00a0Charles M., Salt Lake City, UT<\/b><\/u><\/u><\/span><\/li>
  • \u201cBJ was amazing. He went above and beyond in helping us understand our options and figure out the best solution for our situation.\u201d \u2014\u00a0Mandy G., Fruit Heights, UT<\/b><\/u><\/u><\/span><\/li>
  • \u201cBJ was very helpful with all of our needs and made sure things happened in a timely manner.\u201d \u2014\u00a0Dr. Michael R., Lehi, UT<\/b><\/u><\/u><\/span><\/li>
  • \u201cBJ is helpful and knowledgeable. He was readily available to assist with any questions we had, and it felt like he truly wanted what was best for us.\u201d \u2014\u00a0Whitney R., Lehi, UT<\/b>\u00a0(wife of MD<\/u><\/i>)<\/u><\/u><\/span><\/li>
  • \u201cBJ made the process understandable and doable from beginning to end. He made suggestions I would not have thought of.\u201d \u2014\u00a0Paul A., Orem, UT<\/b><\/u><\/u><\/span><\/li>
  • \u201cBJ Gardner was patient and professional during the process!\u201d \u2014\u00a0Dane N., Orem, UT<\/b>\u00a0\u00a0<\/u><\/span><\/li><\/ul>

    <\/u>\u00a0<\/u><\/span><\/p>

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    BJ Gardner Key Bank Senior Loan Officer BJ Gardner Specialty Loan Officer NMLS #295965 UT-51-TW-2609 36 South State Street, Salt Lake City, UT 84111 Mobile: 801-750-2838 Fax: 216-370-9457 bj_gardner@keybank.com About BJ I began my career in mortgage lending in 2001 while working my way through college. What started as an …<\/p>\n","protected":false},"author":6,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/utahpim.com\/index.php?rest_route=\/wp\/v2\/pages\/4371"}],"collection":[{"href":"https:\/\/utahpim.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/utahpim.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/utahpim.com\/index.php?rest_route=\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/utahpim.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4371"}],"version-history":[{"count":13,"href":"https:\/\/utahpim.com\/index.php?rest_route=\/wp\/v2\/pages\/4371\/revisions"}],"predecessor-version":[{"id":4410,"href":"https:\/\/utahpim.com\/index.php?rest_route=\/wp\/v2\/pages\/4371\/revisions\/4410"}],"wp:attachment":[{"href":"https:\/\/utahpim.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4371"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}