Your Mortgage Made Simple. 🏡

Meet Your Loan Expert

Hi, I’m Trey Garza, Your Local Mortgage Expert.
I’m passionate about helping people take smart steps toward homeownership, whether it's your first home, a dream upgrade, or a strategic refinance. My goal is simple: to make the mortgage process smooth, understandable, and tailored to your needs.With a background in customer-focused services and a commitment to honest guidance, I’m here to be more than just a loan officer — I’m your advocate, your resource, and your guide through one of life’s biggest financial decisions. I work with a wide range of loan programs so we can find the right fit for your goals and budget.When I’m not helping clients secure their homes, you can usually find me outdoors, exploring new trails or spending time with my dogs. If you're ready to take the next step, I’m here to walk it with you, start to finish.

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How it works?

It’s simple — I make the mortgage process easy and stress-free:1️⃣ Apply Online
Submit a quick, secure application — it only takes 5 minutes.2️⃣ Get Pre-Approved
Know exactly what you qualify for, with expert guidance.3️⃣ Buy with Confidence
Shop for your home knowing you’ve got a pro on your side.

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Loan Programs WE Offer

Whether you're a first-time buyer or ready to upgrade, I’ve got the right fit for you:⭐ FHA Loans – Great for first-time buyers with low down payment.⭐ VA Loans – Exclusive benefits for veterans and active duty.⭐ Conventional Loans – Flexible options with competitive rates.⭐ Down Payment Assistance – Local programs to help you qualify.⭐ Non-QM Loans - For your unique situations.⭐ HELOC's - If you need to tap into your home equity with ease.Not sure what’s best for you? I’ll help you find the perfect match.

Free Download: Home Loan Starter Kit 📥

Nervous about the homebuying process? Grab my free PDF guide:
“First-Time Homebuyer Guide”
✔ The home loan process
✔ What you'll need
✔ Why work with me?

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