PBJ Mortgage

PBJ Mortgage People who love people, that just happen to do mortgage! D magazine best mortgage professionals. FREE Home Ready Tool: https://tinyurl.com/4smk7c6y

Michael Backes- Managing Partner NMLS # 620907

Since I was young I wanted to be a Marine. My service to my country was the greatest joy in my life and when I was medically discharged, I wanted to put that passion and honor into still serving others. After my personal mortgage process went poorly, I decided my next way to serve was become an expert at mortgage. I have spent the last 17 years puttin

g that honor and service into my work for my customers. Jacqueline Crider- Managing Partner NMLS # 943284

My passion has always been helping people since I was a little girl. While achieving my bachelor’s degree from Texas A&M, almost 20 years ago, I started working in mortgage and continued while pursuing my law degree also from Texas A&M. Mortgage gave me an opportunity to use my unique blend of skills and education to help people with something considered the most difficult financial transaction of their life. There is no greater joy than that! Patrick Beste- Operations Manager/Sr. Loan Officer NMLS # 1082978

There’s nothing like the joy on people’s faces when they buy a home or save a bunch of money refinancing. Being a part of that process and knowing I had a hand in getting them there, is one of the most rewarding things in life. PBJ Mortgage powered by My Community Mortgage, LLC is an equal housing lender. TEXAS MORTGAGE COMPANY DISCLOSURE
NMLS ENTITY LICENSE NUMBER 2408499. MY COMMUNITY MORTGAGE, LLC COMPANY IS LICENSED UNDER THE LAWS OF THE STATE OF TEXAS AND BY STATE LAW IS SUBJECT TO REGULATORY OVERSIGHT BY THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING Figure: 7 TAC 80.200(b) “CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

06/03/2026

"Your realtor wants the sale. Your lender should want the math"

Realtors chase accepted offers; lenders should protect your life.

You’re tired of being cheer-led into economic ruin.

Hire truth-tellers who say “no” when the house will ruin you.

Book a PBJ Mortgage strategy call — link in bio.

Have questions about buying a home or your loan options?
Book a strategic call with our team here:
https://tidycal.com/team/pbjteam

“We saved for the down payment… but the stress test still scares us.”That’s a real moment we see with jumbo VA borrowers...
06/03/2026

“We saved for the down payment… but the stress test still scares us.”

That’s a real moment we see with jumbo VA borrowers. The “emergency cushion” that matters isn’t a vague number—it’s how long your cash supports three stress-test checks:

1) Your payment tolerance (how many months you can handle the payment under qualifying scenarios)
2) Your seasoning/closing timeline (the gap between when funds are needed vs. when they become usable)
3) Your divorce timeline risk (keep vs. sell/refi—and when that decision can force cash timing)

When we line those up, you can stop guessing and see how many months of cushion you need before you sign.

Schedule a virtual meeting with PBJ Mortgage—bring your dates and we’ll map your stress-test cushion.



“Your payment can drop”… and then your divorce timeline hits pause.That’s the moment we see VA professionals get stuck: ...
06/02/2026

“Your payment can drop”… and then your divorce timeline hits pause.
That’s the moment we see VA professionals get stuck: savings math looks great, but timing scares you.

Here’s our refi reset checklist for cutting monthly payments and knocking out the highest-APR debt without creating surprises for the split:
(1) Lower payment with VA rate/term options (we’ll run the real monthly impact).
(2) Use the “monthly surplus” to target the highest-APR debt first—pick a payoff plan you can stick to.
(3) Confirm the refi timing won’t complicate your refinance-to-split-assets conversation.

If you want a clear PBJ refi roadmap, schedule a virtual meeting with us.



06/02/2026

The Home Inspection Mistake That Could Cost You Thousands

Most buyers assume a home inspection catches everything. The reality? Some problems are hidden behind walls and can take months to show up.
👉 A quality inspection helps uncover warning signs before they become expensive disasters. Follow for more home buying insights.

06/01/2026

"Treat your lender like a job candidate — grill them"

Mortgage people are selling; you’re hiring someone for your future.

You’ve been told “it’s fine” and then lost the house at the finish line. That hurt.

Ask hard questions or accept lying comfort until closing day.

Have questions about buying a home or your loan options?
Book a strategic call with our team here:
https://tidycal.com/team/pbjteam

“Your entitlement doesn’t look right” — and suddenly you’re staring at a surprise down payment.We see it when jumbo VA c...
06/01/2026

“Your entitlement doesn’t look right” — and suddenly you’re staring at a surprise down payment.

We see it when jumbo VA conversations start without the 3 documents/answers that actually decide your outcome:
- Your COE details (and what they’re telling us)
- Your VA funding fee setup
- The exact property/loan scenario that changes how entitlement plays out

That one clarification is what stops days of false quotes and keeps you from paying more than you expected.

If you want to run our 15-minute “jumbo VA vs. entitlement reality check,” use our free budgeting tool: fms.tips/



06/01/2026

"Treat your lender like a job candidate — grill them"

Mortgage people are selling; you’re hiring someone for your future.

You’ve been told “it’s fine” and then lost the house at the finish line. That hurt.

Ask hard questions or accept lying comfort until closing day.

DM “CHECKLIST” for the lender-interview checklist (or book a PBJ call)

Have questions about buying a home or your loan options?
Book a strategic call with our team here:
https://tidycal.com/team/pbjteam

06/01/2026

The Inspection Report Isn’t the Problem

Many first-time homebuyers see a long inspection report and instantly panic. But a detailed report doesn’t mean the house is falling apart—it often means you have a thorough inspector.
👉 The key is understanding what matters and what can be negotiated. Save this if you're planning to buy a home.



Have questions about buying a home or your loan options?
Book a strategic call with our team here:
https://tidycal.com/team/pbjteam

“My mortgage is $2,400—so that’s the budget, right?”In a divorce, that fixed monthly number is usually the first trap. W...
05/31/2026

“My mortgage is $2,400—so that’s the budget, right?”

In a divorce, that fixed monthly number is usually the first trap. When you compare scenarios, we switch the math from just “monthly payment” to (1) the buyout/loan assumption timeline, (2) what each of you qualifies for on your own, and (3) who ends up carrying taxes and insurance after the house is split.

That’s how couples avoid underestimating the real post-divorce monthly budget.

Get our free budgeting tool: https://fms.tips/ or schedule a virtual meeting.



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