Dan Diepenhorst, President and Bob Gardner, CEO
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Gardner Financial Services, Ltd. dba Legacy Mutual Mortgage is a full service mortgage banking company with two offices in San Antonio, TX.
The company is an approved HUD Lender and a member of the Texas Mortgage Bankers Association. We've been in business since April 2005 as a full service mortgage banking company originating, underwriting and closing conventional, FHA, VA, Texas Vet and USDA mortgage loans. We also originate single family construction loans and 2nd lien loans.
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Press Releases

The San Antonio Business Journal ranks Legacy Mutual Mortgage as the 5th largest Lender in San Antonio and 9 of our 20 Loan Officers rank in the top 25 loan officers in San Antonio.
CEO Bob Gardner 2010 presentation at the San Antonio Board of Realtor's
2010 Housing Forecast
"Prices will rise, but stability varies by price range and location"
Read CEO Bob Gardner's interview with the San Antonio Express News
Our mission is to create the very best lending experience for our clients...
98.6% of the December surveys returned state "I would use Gardner Financial Services, Ltd. dba Legacy Mutual Mortgage again"!
[Learn more about our Client Experiences]
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Our Core Values
- We will conduct ourselves with honesty and integrity at all times.
- We will create a healthy work environment in which our associates can grow and develope to reach their full potential.
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Purpose
- To improve the lives of our clients and partners.
- To provide money to the communites where we serve and live.
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Mission
- Create the very best lending experience for our clients.
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Value Proposition
- We have in house underwriting, closing and funding.
- We have multiple investors and products.
- We will proactively communicate with our clients.
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Brand Promise
- We will have docs at title company 24 hours before closing.
- We guarantee our lender fees and interest rate.
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Hedgehog
- We are best at helping others be successful.
- We are best at fixing problems.
- We are best at transforming clients into relationships.
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Strategic Anchors
- Elite Sales Team
- CORE training
- Reputation
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COMPLAINTS REGARDING MORTGAGE BANKERS SHOULD BE SENT TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 877-276-5550.