Chris Carney, Senior Loan Officer

Chris Carney, Senior Loan Officer Hey y’all! I’m Chris Carney, Senior Loan Officer with Guild Mortgage, proudly serving Wise County and all of Texas. Why work with me? Ready to get started?

Texas Mortgage Loan Officer | Wise Lending Team | VA, FHA, USDA, & Conventional | Proudly serving Wise County | First time buyers & veterans welcome | Guild Mortgage NMLS #3274 | Licensed in Texas | Equal Opportunity Housing
| Geaux Tigers! Whether you're buying your first home, leveling up, downsizing, or looking for the perfect rural getaway, I’m here to make mortgage lending simple, stress‑fre

e, and maybe even a little entertaining. As head of the Wise Lending Team, I specialize in helping Texans secure the best mortgage options available - especially VA loans, FHA loans, USDA rural loans, and Conventional financing. I’m a big believer in education (and occasional dad‑level humor), so you’ll always know why a loan option is right for you, not just which one I recommend. I’m licensed in Texas and deeply rooted in the Wise County community. I break down the mortgage process with clarity, transparency, and occasionally a joke that deserves at least a courtesy laugh. I genuinely love helping people feel confident, educated, and excited about buying a home. Your home is one of the biggest decisions you’ll ever make, so let’s make sure you’re supported and informed. Send me a message anytime. Whether you’re exploring options, comparing programs, or ready to apply, I’m here to help you win in today’s market. Texas Residents: consumers wishing to file a complaint against a mortgage company or residential mortgage loan originator licensed in Texas should send a complete complaint form to the department of savings and mortgage lending (SML): 2601 N. Lamar Blvd., Suite 201, Austin, Texas 78705; TEL: 1-877-276-5550. Information and forms are available on SML's website: www.sml.texas.gov. Guild Mortgage Company; Equal Housing Opportunity; AZ BK #0018883; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; MA Mortgage Lender License ; MA Mortgage Broker License ; Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the N.J. Department of Banking and Insurance; NV Mortgage Company #1141; OR ML-176; Rhode Island Licensed Lender; Rhode Island Licensed Third-Party Loan Servicer; Company NMLS ID 3274. For licensing information, go to: www.nmlsconsumeraccess.org/. All loans subject to underwriter approval. Terms and conditions apply, subject to change without notice. Guild Mortgage Company is an Equal Opportunity Employer. Guild Mortgage Company 5887 Copley Drive, Floors 1, 3, 4, 5, 6, San Diego, CA 92111; For more licensing information, please visit www.guildmortgage.com/licensing.

Great seeing familiar faces at the Decatur Chamber of Commerce event. Grateful for this community and the local business...
08/27/2026

Great seeing familiar faces at the Decatur Chamber of Commerce event. Grateful for this community and the local businesses that make Wise County great. If you're thinking about a home purchase or refinance in Decatur or Wise County, TX, let's talk financing options.

Mortgage rates, home loan tips, and what Decatur and Wise County buyers need to know this week. Want the full update del...
08/24/2026

Mortgage rates, home loan tips, and what Decatur and Wise County buyers need to know this week.

Want the full update delivered to your inbox every Monday? Send me a message to get on the list.

As a Decatur, TX mortgage loan officer, I walk every buyer through underwriting and the home loan timeline, so nothing c...
08/21/2026

As a Decatur, TX mortgage loan officer, I walk every buyer through underwriting and the home loan timeline, so nothing catches you off guard. Thinking about buying a home in Wise County? Send me your questions.

In this week’s Monday Mortgage Minute, we talk about what ACTUALLY affects mortgage rates and review other market data t...
08/18/2026

In this week’s Monday Mortgage Minute, we talk about what ACTUALLY affects mortgage rates and review other market data tied to rates.

Are you getting my Monday Mortgage Minute emails? You should be! Send me a DM and we’ll get you setup so you can stop missing out.

08/14/2026

My mortgage hot take? Prepared buyers don't need to wait for the perfect rate. They're ready to move when the market does, and that's better than trying to jump in last minute.

Want to get prepared? Send me a DM so we can make a plan.

After proudly serving Texas for almost ten years as a licensed mortgage loan officer, I'm happy to announce that I will ...
08/13/2026

After proudly serving Texas for almost ten years as a licensed mortgage loan officer, I'm happy to announce that I will now also be able to serve my home state of Louisiana. Serving both states will be an honor.

Just send me a DM and put me to work for you.

08/11/2026
Took Reece for a fresh, back-to-school cut today at The County Seat Barber Shop on the square. Jeremy is doing his thing...
08/11/2026

Took Reece for a fresh, back-to-school cut today at The County Seat Barber Shop on the square. Jeremy is doing his thing and doing it well. Go check them out.

Loved connecting with Decatur ISD teachers at their back to school convocation this week, and congratulations to our giv...
08/11/2026

Loved connecting with Decatur ISD teachers at their back to school convocation this week, and congratulations to our giveaway winner! 🎉 Supporting our local community is what it's all about.

Here's the highlight of this week's Monday Mortgage Minute 🏠💡Rates hit a new 2026 high at 6.69%, but inventory is improv...
08/11/2026

Here's the highlight of this week's Monday Mortgage Minute 🏠💡

Rates hit a new 2026 high at 6.69%, but inventory is improving and the market is still moving!

Want the full update? I'd love to send it your way. DM me your email and I'll deliver it to your inbox every week.

Address

2201 S. FM 51, Suite 500-D
Decatur, TX
76234

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