Justin Garbinski

Mortgage Loan Officer

4.65 - 24 Review(s)

Capital Group, Inc.
16277 N Greenway Hayden Loop, 2nd Floor
Scottsdale, AZ, 85260
Branch: NMLS1920172
Personal: NMLS629944

About Justin

It has always been my goal to build a relationship with my customers that helps them feel they are respected. I want to show them my knowledge, my honesty and show them how my company empowers me to get the job done for them. I work hard for my customer’s loyalty, by making sure to respond to their emails and phone calls in a timely manner. I have 11 years of experience to help me find you the best savings for your situation.

I understand that financing or purchasing a home is usually the largest and most stressful transaction anyone will have to deal with. I will be with you every step of the way to make sure you have someone to answer your questions and make sure everything is transparent. Intercontinental Capital Group works with people looking for long term, all the way to shorter term loans.

I have an advantage at Intercontinental Capital Group, being a direct lender; it makes it so we can offer you options that are not available through other lenders. Being a direct lender can allow us to provide financing to many people who have been turned away due to negative equity, lack of down payment, high debt-to-income ratios, or simply because their current loan has something like private mortgage insurance.

I enjoy helping my clients save money or even purchase the home of their dreams. I also like coaching my kids’ youth sports teams. My family and I enjoy going to the games and supporting each other on and off the field. I always make sure my customers are just as happy as I feel when one of my kids has a big win on the field, because to me my clients are like my family.

Give me a call or email me today, I will be happy to help you.


(5.00 of 5)  reviewed on August 7, 2020
Reviewed by: Hector L Robles for Justin Garbinski
Completed transaction in August 7, 2020 in Queen Creek, AZ
Justin was always available to answer any questions or concerns I had and always came through for me. There were some rough edges with the process but Justin was there to guide it in the correct path. I was ultra satisfied with Justin and feel he is a very valuable asset to your organization. Thank you Justin for being such an outstanding and caring person.
(3.00 of 5)  reviewed on July 28, 2020
Reviewed by: Jacqueline Crum for Justin Garbinski
Completed transaction in July 27, 2020 in Orlando, FL
I am thoroughly disappointed. During the initial intake, I received an estimate of refinancing my home for $450K, just prior to closing the estimate comes back at $456K, which equated to a grand total of approximately $18K to refinanace my home. I do not believe this met the three year VA requirement, I will report ICG to the VA IRRL process. I do not believe delta in the estimate should have come back so great. It cost way to much to refinance my home. This will be an expensive lesson learned.
(3.60 of 5)  reviewed on July 27, 2020
Reviewed by: Leon L Dunbar for Justin Garbinski
Completed transaction in July 27, 2020 in Waldorf, MD
no comment
(5.00 of 5)  reviewed on July 24, 2020
Reviewed by: Cindy D Gradwell for Justin Garbinski
Completed transaction in July 24, 2020 in Wilmington, NC
Was able to Contact Justin ay any time I had a question. Via text, made it a lot easier.
(5.00 of 5)  reviewed on July 15, 2020
Reviewed by: Evan Thomas Anderson for Justin Garbinski
Completed transaction in July 14, 2020 in Chandler, AZ
Justin and Kira made this mortgage the easiest and smoothest I've done.
(4.10 of 5)  reviewed on July 3, 2020
Reviewed by: Claudius Vasile Andresel for Justin Garbinski
Completed transaction in June 30, 2020 in Las Vegas, NV
Very knowledgeable and pleasant to do business and help.
(4.60 of 5)  reviewed on June 19, 2020
Reviewed by: John Mosley for Justin Garbinski
Completed transaction in June 19, 2020 in Columbia, MD
Justin responded quickly to my questions. It seems he stayed on the job to get it completed ASAP.
(5.00 of 5)  reviewed on June 17, 2020
Reviewed by: Rhonda Marie Rice for Justin Garbinski
Completed transaction in June 17, 2020 in Salem, OR
Justin was always pleasant to talk to and always had great knowledge to make the transaction smooth and easy. He and his team were on top of it and always were there to answer any questions.
(4.40 of 5)  reviewed on June 11, 2020
Reviewed by: Marcus Aaron Wild for Justin Garbinski
Completed transaction in June 11, 2020 in Turnersville, NJ
The ability to communicate almost 24/7!
(3.40 of 5)  reviewed on June 5, 2020
Reviewed by: David J Sandel for Justin Garbinski
Completed transaction in June 4, 2020 in Campbell, CA
It took a little over 2 months to process the loan and it was not as easy as Quicken loan's process. For a month nothing happened and there was a problem with the on line account. There was little to no communication from Justin. He wouldn't return my calls or my texts and emails.


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I have successfully avoided a case of the Monday’s today with another great day of calls. It’s a little harder to get consumers on the phone on Monday’s because everyone is trying to start their weeks off as productive as possible and catching up on...
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Consumer Connect Day One

I’m writing this shortly after I’ve hung up the phone from my first round of calls with consumers and I am ending the day excited about what is to come. I spoke with many different types of people, both happy and disappointed but overall I learned...
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ICG named Inc. 5000 fastest-growing private companies in America

The team and I at InterContinental Capital Group (“ICG”) announced today that we have been named to the prestigious Inc. 5000 list. Inc. 5000 is an exclusive ranking of the nation’s fastest-growing private companies. This is ICG’s first time being...
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