Steve Bray was introduced to me by my mother, as he handled the mortgage on her family daycare facility 15 years ago. I was a first time home buyer so really kind of deer in the head lights throughout the process. Steve was really calming and frankly quite gifted at keeping messy situations like home buying as painless and stress-free as possible.
Deborah S.
Elgin, TX

Free Homebuyer Workshops

Join our next workshop for answers to your questions about buying a home. No sales pressure. Just answers.


Student Loan Debt?

You can qualify! Don't let student loan debt prevent you from buying a home.


Loans for

Homes & Second Homes

Whether you're buying a home or you're looking to refinance one, we want to help. We specialize in loan programs designed to maximize your ability to qualify while offering affordable payments, including:

USDA Rural Development Loan

FHA Loan

Home Equity Loans

Special Programs for Veterans

Construction Loans


Loans for

Investment Properties

We represent buyers and owners of investment real estate in finding mortgage solutions that best meet their needs. This representation ensures you of no conflicts of interest, strict confidentiality, and honest analysis. We specialize in loan programs designed to maximize your investment potential.


New FICO score may cost you money

Previous postings

Rate update: Virus outbreak leads to lower mortgage rates

Spring homebuying season starts in January