Micah Garrett

About Micah

Micah Garrett is a Production Manager and Loan Officer in the Troy, Alabama Branch of Assurance Financial. He is licensed through the National Mortgage Licensing System and Registry in Alabama.

As the Branch Manager for Assurance Financials’ Troy, Alabama office, I’ve built my career around helping clients and referral partners navigate the mortgage process with clarity and confidence. I’m proud to be one of the company’s consistent top producers, but what matters most to me is the trust I’ve earned from the people I serve.

My approach is simple: educate first, communicate clearly, and always put the client’s long-term goals at the center of every decision. Over the years, that mindset has helped me build a loyal network of referral partners and repeat clients who know they can count on me for honest guidance and dependable results.

Before joining Assurance Financial, I spent more than a decade in agricultural and rural lending as a Vice President and Account Executive at First South Farm Credit and as a Relationship Manager with Alabama Ag Credit. That experience gave me a strong foundation in land, construction, and specialty lending — knowledge I still use every day in residential mortgage work. The decade prior to my ag / rural lending portion of my career, I managed a top producing team in consumer finance which allowed me to specialize in assisting clients with debt consolidations as well as consumer purchases. This portion of my career gave me the knowledge to look at the big picture for each client to advise on unique individual scenarios. This too has been instrumental in my success in helping advise at a top-tier level relative to the industry norm.

I’m a graduate of Troy University with a degree in Finance, and I’m committed to helping families, builders, and real estate professionals throughout our community achieve their goals.

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