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Ethos Lending

NMLS 179318

Garrett Dwyer

Garrett Dwyer brings 24 years of experience as a mortgage advisor to our team and believes homeownership should be a cornerstone in every family’s financial portfolio. He brings a hands-on approach to mortgage lending, with common sense, strategic long term planning and clear, consistent communication, giving his clients and partners reliable information to make knowledgeable decisions about their home. 

He moved to Aliso Viejo with his wife Susan in 2004 and they have built their family in this wonderful community.  He is actively involved in his city, previously as a soccer coach, PTA treasurer and YMCA Adventure Guides leader. Currently, Garrett serves on the Aliso Viejo City Council and has developed a financial literacy program called Know Your Dough which collaborates with the City of Laguna Niguel, the chambers of commerce for both cities, Junior Achievement and the career and technical education program at the city’s high school to instill much needed fundamental tools for young adults to both make good decisions and give back to younger kids through a public speaking program.

In his free time, Garrett participates in his city’s weekly food pantry for those in need. He also plays hardball in the Southern California MSBL, enjoys golf and off-roading in his Jeep, and spends as much time as possible with his family.




Ethos Lending Delivers on Their
Promises

Ethos Lending Delivers on Their Promises

5.0

Over 1,234 Verified Reviews

Smooth buying process

Very helpful throughout the process. Specially for first time home owners .
The Nelson Family
Verified Reviewer
Brooklyn Park, MN (August 2023)

Great experience

Excellent communication and made the whole process very simple for a first time home buyer.
The Nelson Family
Verified Reviewer
Brooklyn Park, MN (August 2023)

Mario O'Brien

Production Manager

CREATIVITY. AUTHENTICITY.  GROWTH.

As the Production Manager at Ethos Lending, Mario O’Brien brings over a decade of specialized experience in sales and production to the team. He has built a reputation for excellence, backed by over 1,200 verified 5-star reviews from clients who value his transparency, efficiency, and deep industry knowledge.

Mario excels at navigating the complexities of the lending market, serving as a trusted advisor to first-time homebuyers and seasoned investors alike. Known for his ability to thrive under pressure and adapt to any situation, he ensures a smooth, streamlined process tailored to each client’s unique financial goals. His approach is rooted in proactive problem-solving and clear, honest communication, ensuring that every borrower feels confident from application to closing.

Beyond managing production, Mario is dedicated to building lasting relationships and helping his clients achieve long-term prosperity. Whether you are looking for your first home or your next investment, Mario’s insights and commitment to service make him an invaluable partner in your homeownership journey.