Steven McGilbray is a VP of Mortgage Lending at Rate’s Houston, Texas branch. Rate is one of the Nation’s top 10 lenders and offers exceptional service and low rates on Conventional, FHA, VA, Jumbo, and many other home loan products.  Rate also has a down payment assistance program that makes buying a home more affordable for first time home buyers.  Steven entered the mortgage industry in early 2000 after a client, who is also a friend now, from his previous career suggested it. Because of his persistence that he gives it a try, Steven has never looked back. His love for meeting new people and helping them achieve the dream of owning a home is what he enjoys most.   Steven is a native Houstonian, enjoys spending time with my family, traveling and watching his favorite sports teams, college and pro.  Steven McGilbray is your true local home purchase expert in the Houston area.  Get started on your mortgage with Steven today!

VP of Mortgage Lending

Steven McGilbray is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Steven is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Steven at (713) 396-5738 for more information!

Steven McGilbray at Rate (NMLS #231830)

I have always been motivated to get the job done right and I am focused on the small details that matter tremendously in the long run.  These traits have helped provide my clients with the best possible service & mortgage experience and ensure that when the going gets tough I deliver results.



I grew up in Pasadena Texas and moved to the Midwest for university where I played football on a scholarship. After graduation I moved to St. Louis for a few years, then moved to Chicago where I lived for 25 years and honed my skills for excellent service while managing a joint venture between a big 3 bank and a boutique, upscale real estate firm. Working side-by-side in an office with Real Estate Agents developed my communication skills for keeping all parties updated while maintaining my client's privacy with the utmost discretion. I eventually moved back "home" to Texas in December 2018, again with a big 3 bank, but felt the entrepreneurial calling to a more progressive company that compliments my strong desire for excellent service & customer experience.



In my career I've strived to service every segment of the market possible, from ultra-luxury to move-up buyers, first-time buyers, government loans and down payment assistance programs and I am proud of my track record in each category. I'm available 7 days a week (real estate deals are often made on weekends and evenings) and am extremely diligent about solving the issues that arise over the course of a transaction. With my industry experience I provide clients with a rare level of insight into negotiations and complex problem resolution/mitigation strategies and ensure that their interests are always at the forefront of my team's efforts.

Producing Branch Manager

Lane Sears is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Lane is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Lane at (281) 990-1847 for more information!

Lane Sears at Rate (NMLS #700849)

As a mortgage professional for over 30 years Mack Blankenship offers his clients a valuable wealth of knowledge and experience so they feel confident that they're not only receiving the best service, but that they're also receiving a home loan that best fits their unique needs.


"I love being a loan officer and connecting and helping families who end up becoming friends. I've been a mortgage banker for 26 years and have closed loans for thousands of clients. Today, I close loans for the children and sometimes grandchildren for clients going back 25 years."


Blankenship has 3 children and 3 grandchildren, Laila, Ila and Mason. He has also completed **7 IronMan** triathlon events, dozens of marathons and dozens of smaller triathlons. Blankenship was a guide for a blind athlete in the **2012 Boston Marathon** and a guide for the **2015 Paralympic National Triathlon** and assisted in the training of **IronMan para-triathlete Brand Adame**.

Producing Partnership Branch Manager

Mack Blankenship is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Mack is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Mack at (713) 324-0506 for more information!

Mack Blankenship at Rate (NMLS #208691)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Branch Manager

Holly Whitney is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Holly is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Holly at (210) 436-8079 for more information!

Holly Whitney at Rate (NMLS #457611)

Chelsea was born and raised in the mortgage industry and is a second generation loan officer. During her time in the mortgage industry, she has been awarded ++Top Performing Loan Officer by Texas State Affordable Housing, Gold Service Loan Officer by Southeast Texas Housing, Affiliate of the Year by Women's Council of Realtors++and has consistently been a Top Producer within her company. She has a Bachelor of Science degree in Economics and minor in Business from Texas A&M University and she would love to put her education and experience to work for you!

Chelsea Dawson is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Chelsea is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Chelsea at (281) 703-7874 for more information!

Chelsea Dawson at Rate (NMLS #1083316)

Connie Tharp is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Connie is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Connie at (713) 826-0051 for more information!

Connie Tharp at Rate (NMLS #414087)

Houston native Andrea Fowler has devoted the last 23 years to giving back to the communities in which four generations of her family have lived. Fowler works with buyers seeking mortgage loans or knowledge of the various loan programs her company offers. She's grateful to be able to serve clients regardless of their backgrounds and income levels throughout the Texas market.Through Fowler's knowledge and experience within the Community Reinvestment Act and real estate market, she has become a trusted contact between various Houston area non-profits, Agents, developers, and schools. With an eye on the future, Fowler has also begun to focus on recent college graduates by co-hosting Young Women's Preparatory College Academy's 2023 Alumnae Symposium – The Bag: Now That You've Got it, What Do You Do with It? Other previous projects include her consulting with Agape Development's Affordable Homes Program for first-time homebuyers and her work with the NAACP via their Homes for Houston events. In keeping with her diverse approach to the real estate industry and a deep belief in paying it forward, Fowler is an active community member, both inside and outside the office. She is a proud volunteer with the NAACP Housing Committee and a Certified Applied Neuroscience Coach.

Andrea Fowler is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Andrea is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Andrea at (281) 235-4710 for more information!

Andrea Fowler at Rate (NMLS #208185)

With over twenty years of experience, Cary has been involved in the real estate and mortgage industries his entire professional career. Previously he owned his own mortgage banking and real estate company. Because of his real estate experience, Cary knows the importance of communicating with all parties – his client, their agent and the seller's agent throughout the sale of the home.


This knowledge helps him navigate the mortgage process smoothly and efficiently. Cary's goal is to be an advisor and consultant to his clients before, during, and after the mortgage transaction. His approach is to listen carefully to his clients' needs and objectives, while providing the best solution to meet them.


His mortgage ethos is to treat every client – Professionally, Respectfully, Fairly and Honestly. A Native Houstonian and Fifth Generation Texan, Cary graduated from Memorial High School, a nationally recognized exemplary school. He has a BA from The University of Texas at Austin. After graduation, he continued his education and completed the post-graduate curriculum to become a licensed real estate broker and mortgage banker.


Outside of work Cary enjoys playing tennis, working out, and traveling. He also has practiced various martial arts for over 30 years earning multiple black-belts. His two favorite arts are Krav-Maga and Jui-Jitsu. To relax, he enjoys spending time with his father at Horseshoe Bay in the Texas Hill Country.

Cary Cox is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Cary is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Cary at (281) 602-4057 for more information!

Cary Cox at Rate (NMLS #336786)

Chris is a 24-year mortgage veteran with a passion for education and creating raving fans. Chris is from Monterrey, Mexico having lived in Monterrey for over 20+ years. He is an avid sports enthusiast and enjoys spending the weekends with his two amazing kids and wife, one who is attending the University of Arizona and the other a starting WR/DB for Tompkins HS! Chris' career began in the IT and business development area having worked in sales and distribution for companies like Alliance Data Corp, Hewlett Packard, Computer Associates and MYDSA. The definition of integrity is a cornerstone of Chris' life "Do the right thing every time, even when no one is looking". Chris is also the co-founder and co-host of the Real Estate Rat Pack Show, a radio/podcast focused on real estate education. The Rat Pack has been on air for over 12+ years.

Producing Regional Manager

GERENTE_DE_SUCURSAL_PRODUCTOR

Chris Kelso is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Chris is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Chris at (713) 904-6416 for more information!

Chris Kelso at Rate (NMLS #158229)

10 + years helping families achieve their dream of homeownership by providing tailored mortgage solutions across all loan types. Local. Experienced. Trusted. Let me help you!

Sue Nettles is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Sue is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Sue at (281) 602-4059 for more information!

Sue Nettles at Rate (NMLS #1380933)

* With extensive experience in real estate, mortgage lending, and investment strategies, I am committed to helping clients secure the best financing solutions tailored to their unique needs. As a licensed mortgage professional and experienced agent in Houston, I understand the importance of structuring deals correctly from the start—no shortcuts, no mistakes, just precision and integrity.  
I have built my real estate investment portfolio by leveraging smart financing and market expertise. This hands-on experience allows me to guide homebuyers, investors, and homeowners toward the best mortgage solutions while ensuring a seamless and efficient process. My approach is rooted in responsiveness, professionalism, and a commitment to doing things right the first time.  
I believe in delivering accurate and well-researched information to my clients. If there is ever something I don't have an immediate answer for, I take the time to conduct thorough research and ensure I provide the most reliable and up-to-date information. My goal is to make the mortgage process clear, efficient, and stress-free, so clients can make informed decisions with confidence.  
Whether you're purchasing your first home, refinancing, or investing in real estate, I am here to provide expert guidance and dedicated support every step of the way.  
Let's get you the right mortgage—done right the first time.

Ali Pourmemar is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Ali is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Ali at (281) 436-7464 for more information!

Ali Pourmemar at Rate (NMLS #2448151)

Amy has over 27 years of experience in the Real Estate industry and is a trusted expert who changes lives by helping families achieve homeownership. She leads with passion, listens with purpose and she understands a home is the biggest financial investment most will ever make and her priority will be to make sure you have the latest financial information available to make the best decision possible.  
She has lived, married and raised 3 children in the Houston and surrounding areas since 1963. A great deal has changed and we are happy to report that the mortgage industry has changed with it.  
Over the past 30 years, Amy has built a reputation known for creating and maintaining lifelong relationships with clients, providing individualized financial advice and steadily building her client base through the extensive networking and community involvement in the Houston and surrounding areas. Her Motto, "Your loan officer for Life!" is one she is proud of. No matter how often you purchase a home, refinance an existing home, Amy will be with you every step of the way.

Amy Graham is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Amy is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Amy at (713) 300-9461 for more information!

Amy Graham at Rate (NMLS #918840)

Amber is a dedicated mortgage loan originator with a strong background in both real estate and healthcare. As a native Texan, she has spent 20 years serving the community as a Registered Nurse and the past 8 years as a successful Real Estate Agent. This unique combination of experience allows Amber to bring a high level of care, attention to detail, and problem-solving skills to the mortgage process—helping clients navigate one of the biggest financial decisions of their lives with confidence and ease.  
Known for responsiveness, efficiency, and a commitment to client success, Amber ensures homebuyers and homeowners have a smooth and stress-free loan experience. Whether you're purchasing a home or refinancing, she is dedicated to finding the best mortgage solution for your needs.  
When not working, Amber enjoys spending time with her family, cheering on their son at basketball tournaments, and making memories with her daughter.  
**Ready to start your home financing journey? Contact Amber today!**


**Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.**

Amber Dollens is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Amber is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Amber at (713) 936-6945 for more information!

Amber Dollens at Rate (NMLS #2245386)

Kyle Farmer is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Kyle is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Kyle at (832) 914-7653 for more information!

Kyle Farmer at Rate (NMLS #872240)

Hi, I'm David—a seasoned mortgage professional located in Houston, Texas with a background in psychology and a passion for helping people find real solutions. I bring a calm, focused approach to the loan process, always operating with a "if it can be done, I'm your guy" mindset. With years of experience in the industry, I'm all about making things simple, clear, and smooth for my clients.  
As a husband and father of two, I understand just how important the idea of home really is. Born in Nigeria and a lover of travel, I bring a global outlook and a natural ability to connect with people from all walks of life. My faith is the quiet force behind everything I do—guiding me to serve with integrity, purpose, and excellence.  
Fun fact: I used to teach martial arts, so I take discipline and focus seriously—but I still know how to keep things real and relaxed. Let's get it done.

David Tomiwa is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, David is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact David at (713) 300-9384 for more information!

David Tomiwa at Rate (NMLS #1211407)

Loan Officer | Mortgage Expert | Texas Resident  
With over 24 years of experience in the mortgage industry, I'm passionate about helping families achieve their dreams of homeownership. I specialize in a wide range of loan products, including Conventional, FHA, Jumbo, Non-QM, and, most importantly, VA loans. I have closed dozens of VA loans that other lenders have turned down, and I take great pride in helping veterans secure the homes they deserve.  
I'm extremely knowledgeable in all aspects of the mortgage business, including underwriting guidelines, and I enjoy going the extra mile to approve borrowers that other lenders can't.  
When I'm not working, you can find me spending time with my French Bulldog, P-Nutt, riding motorcycles, or enjoying quality moments with family and friends. Originally from Michigan, I moved to Texas in 1984 and have loved every moment of it. I currently reside in Katy, Texas.


**Rate is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture, or any other government agency. No compensation can be received for advising or assisting another person with a matter relating to veterans' benefits except as authorized under Title 38 of the United States Code.**

  is your  local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States,  is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Chris at (281) 602-4358 for more information!

Chris Thacker at Rate (NMLS #274069)

I'm Jaramie Arvie, and my journey into the mortgage industry started with a personal experience—purchasing my first home. My wife and I felt overwhelmed and lost during the process, and that moment lit a fire in me to change the way homebuyers are supported.  
With a background in technology, sales, and customer service—including my time as a Director of Sales—I bring a unique blend of compassion, clarity, and communication to every client interaction. I became a loan originator to bridge the gap between what borrowers experience and what they truly deserve: transparency, guidance, and genuine care.  
My mission is simple—make the mortgage process feel less like a transaction and more like a partnership. Whether you're buying your first home or exploring your next investment, I'm here to make sure you feel informed, supported, and confident every step of the way.

Jaramie Arvie is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jaramie is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jaramie at (832) 419-8991 for more information!

Jaramie Arvie at Rate (NMLS #2268029)

My name is Torrey Jacoby. I was raised in Scottsdale, Arizona and later went on to attend Pepperdine University, where I had the opportunity to play collegiate baseball. In 2011, I made the move to Houston to pursue a career in the mortgage industry and have proudly called it home ever since. I'm married with two amazing kids— a five-year-old and a two-year-old and we're hoping to grow our family even more in the near future.  
Outside of work, I'm passionate about golf, traveling, and above all, spending as much quality time with my family as possible. At the core of my business is a commitment to delivering the best possible customer service throughout the loan process. Building strong relationships and making the experience smooth and stress-free for my clients is what drives me every day.

Torrey Jacoby is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Torrey is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Torrey at (832) 712-5048 for more information!

Torrey Jacoby at Rate (NMLS #1002704)

Raynell Williams is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Raynell is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Raynell at (713) 396-5739 for more information!

Raynell Williams at Rate (NMLS #110558)

I am Shawntell Evans, a dedicated Mortgage Loan Originator proudly serving clients across Texas and Louisiana. With a passion for helping individuals and families achieve their dream of homeownership, I provide personalized mortgage solutions backed by expert guidance and genuine care.  
I hold a Bachelor of Science in Accounting, which gives me a strong foundation in financial strategy and a keen eye for detail when structuring the right loan for your unique needs. Whether you're a first-time homebuyer, refinancing your current home, or investing in real estate, I'm here to simplify the process and support you from start to finish.  
My commitment to clients is built on clear communication, transparency, and dependable service. I work hard to make the mortgage experience smooth, stress-free, and focused on what matters most—your future.  
Outside of work, I cherish spending quality time with my family. I also love dancing and discovering and enjoying new local restaurants around Houston, from casual eats to hidden gems.  
If you're ready to buy, refinance, or explore your mortgage options in Texas or Louisiana, let's connect and make your homeownership goals a reality.


**Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.**

Shawntell Evans is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Shawntell is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Shawntell at (713) 457-2005 for more information!

Shawntell Evans at Rate (NMLS #262782)

VP of Business Development

Avelina Graham is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Avelina is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Avelina at (281) 475-2237 for more information!

Avelina Graham at Rate (NMLS #2654530)

Houston

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21 Loan Officers Houston, TX