Tony Garshnick

“Joy is an internal and unshakable state of confidence that will permeate one’s life and of those around them.”

Tony Garshnick
Senior Mortgage Planner

NMLS# 85018

States Licensed




Other Information

I enjoy traveling the world, hunting, fishing, scuba diving, camping, hiking, golfing and many other types of outdoor activities

About Tony Garshnick

Tony’s expertise in strategic thinking, dedication to client needs, and impressive track record of offering the best mortgage planning solutions produces exceptional results for his clients. Working with Fairway Independent Mortgage, Tony partners with the best realtors, CPA’s and CFP’s and works tirelessly on behalf of his mortgage clients.


Tony was born and raised in Orange County, California and relocated to Charlotte, North Carolina in the summer of 2005.
Tony’s wife of nineteen years, Alissa Marie, and his two daughters Brittany Sue and Abigail love the South and have never been happier.

Garshnick Family


Past President of Providence Partners a division of BNI

Tribe of the year in 2004 with YMCA ( Indian Princesses )

2014 Five Star Professional Award


Tony has more than 25 years of sales and marketing management experience in the technology and financial industries. He holds a BS in Management from the University of Phoenix and is a graduate of the Charlotte Chamber Leadership School Class of 2005. Before joining the Fairway team, Tony has led the sales and operations efforts for companies such as Wang Global, Enterasys Networks, Franklin American Mortgage and Bank of America.

Tony has worked as a senior loan officer, a loan manager and is one of a handful of Mortgage Planners in the Carolinas.


Tony is a great person to help you with your refinance process on your home loan. Tony works around the clock to make sure you get the best deal that fits your personal situation. Tony is very personable and professional and I highly recommend him to any of my contacts looking to make a change to their mortgage or secure a new mortgage. Matt Elgin

Tony delivers!!! I have worked with Tony on countless transactions for my clients as they have bought new homes. He is absolutely full of integrity, he does what he says he will do, he is as honest as the day is long, and he will work harder than anyone I know to delight his (and my) clients!!! He is such a pleasure to work with, as he is so friendly and positive. He is a great influence on everyone around him, and he loves seeing his clients light up with joy when he delivers! Every loan with Tony has been on time or early, and my closing attorneys also love to work with him! I have NO hesitation in recommending Tony for your next home purchase or refinance!!! Karen Kitzmiller

Tony Garshnick at Fairway Independent Mortgage is one of the best professionals I have ever worked with. We first met with Tony in February of 2013 wh en my wife and I began looking for a house. Tony worked with us every step of the way, from referring me to an excellent credit counselor right through closing day and beyond. Tony cares, and you can tell. His communication is excellent, he is responsive, and he keeps you in the loop every step of the process. He prides himself, rightly so, on his ethics, a nd that is something that shines through in everything he does. I do not hesitate to recommend Tony Garshnick for anyone seeking a mortgage or refinance loan! Calling Tony is the best choice we have made! Brian Erickson

I wanted to take a second and recognize Tony.  I recently worked with Tony on a home loan and I cannot express how impressed I was.  This is the third home I’ve had a mortgage on, and refi’d at least 2 other times.  In that time I have never understood the detail of the loans, and always been surprised at closing –both in a good and bad way.  I’ve worked with credit unions, small local banks, larger Wells Fargo’s and 5/3rd’s of the industry and I have never had the experience I had working with Tony.

I sat down with Tony and he explained the process, what it would take to accomplish our goal, explained the best way to do so, and told us exactly what we needed to provide to make this a successful and easy transaction.  I have to admit, when Tony said “easy and successful” I took that with a “yea right, I’ve heard that before”; Tony proved me wrong.

This was the easiest and painless lending process I’ve ever been through –even simpler that attaining a store card.  I knew to the Penny 3-4 days ahead of closing what I needed to bring to the table, and the actual loan process and approval was completed more than 30 days ahead of the closing date.

From what I could tell, Tony wasn’t doing anything above and beyond what Tony does; this is simply how he works: efficient; motivated; accurate; honest; no surprises and professional.  I can honestly say I will certainly be using Tony again in the future and recommending Tony wherever I can to friends and family –Tony really is an asset to Fairway.

I didn’t have the email of the president of Fairways, but if I did, I would have copied him, also. Thanks for everything. Mark Thornton