Chris Carney, Senior Loan Officer

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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‑free, 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.

The biggest obstacle isn't the market, the rates, or the timing. It's waiting for the "perfect" moment to get started. W...
10/17/2026

The biggest obstacle isn't the market, the rates, or the timing. It's waiting for the "perfect" moment to get started. Whether your goal is buying your first home, upgrading to a larger space, or investing in your future, every big accomplishment starts with one small step.

You don't have to have everything figured out today. You just have to be willing to build the door you want to walkthrough.

Ready to explore your options? Give me a call 🏡

Equal Opportunity Housing; Guild Mortgage Company, NMLS #3274

Quick question: If mortgage rates dropped tomorrow, would you actually be ready to buy?If the answer is "not yet," your ...
10/16/2026

Quick question: If mortgage rates dropped tomorrow, would you actually be ready to buy?

If the answer is "not yet," your focus shouldn't be rates. It should be preparation. The buyers who win are usually the ones who have a plan before the opportunity shows up.

What's the biggest thing standing between you and buying a home right now? 👇



Equal Opportunity Housing; Guild Mortgage Company, NMLS #3274. Subject to credit approval.

A house that's been sitting on the market isn't necessarily a red flag, it's leverage. Sellers get nervous the longer a ...
10/11/2026

A house that's been sitting on the market isn't necessarily a red flag, it's leverage. Sellers get nervous the longer a listing sits, and that's when they're more open to covering a temporary or permanent rate buydown instead of just dropping the price. If you're house hunting in Decatur or anywhere in DFW this fall, don't skip past the listings that have been up for a while. Send me the address and I'll run the numbers on what a seller concession could do for your rate.

Renting versus buying usually comes down to timeline more than anything else. If you're not sure how long you'll stay in...
10/10/2026

Renting versus buying usually comes down to timeline more than anything else. If you're not sure how long you'll stay in Wise County or you're planning to relocate soon, renting still makes sense for a lot of people. But if you're putting down roots, every payment on a fixed-rate loan is building equity instead of covering someone else's mortgage.

Rent isn't locked in. It goes up basically every year, while your principal and interest on a fixed-rate home loan stay the same for the life of the loan. That predictability alone changes the math for a lot of first-time homebuyers in Decatur and the greater DFW area.

Not sure which side of that makes sense for you right now? Send me a message and let's figure it out together.

Warren Buffett called the 30-year mortgage a one-way bet, and he's not wrong. You lock your payment today, and if rates ...
10/09/2026

Warren Buffett called the 30-year mortgage a one-way bet, and he's not wrong. You lock your payment today, and if rates ever drop, you refinance. If they don't, you're already ahead. That's the part people miss when they're waiting on the "right time" to buy a home in Texas. The math isn't as scary as it feels once you run real numbers.

Make sure you follow me so you can get the most up to date mortgage information and the know how to help you make informed decisions!

Sellers who priced for 2022 are still sitting on the market. The ones pricing for right now are getting offers.Pricing i...
10/05/2026

Sellers who priced for 2022 are still sitting on the market. The ones pricing for right now are getting offers.

Pricing is about what buyers can actually pay today, not what the house down the street sold for a few years ago.

This is from this week's Monday Mortgage Minute. If you want the full update in your inbox every week, send me your email and I'll add you to the list.

Credit Karma's good for watching trends, catching new accounts, and keeping an eye on utilization.It's not built to tell...
10/04/2026

Credit Karma's good for watching trends, catching new accounts, and keeping an eye on utilization.

It's not built to tell you if you qualify for a loan, when to make a big credit move before applying, or what rate you're going to get. That's a different calculation, and the scores lenders pull often look different anyway.

Save this for later so you can remember when you're ready to apply!

It's Friday and I'm tempted to let the market get me down, but I won't! Instead, I'm choosing to carry around the "Let's...
10/03/2026

It's Friday and I'm tempted to let the market get me down, but I won't! Instead, I'm choosing to carry around the "Let's do this" attitude that helps me get things done. Big week coming up in Wise County real estate and I'm ready for it. Anyone else riding that same energy heading into the weekend?

Rate isn't the deal breaker most people think it is.Temporary buydowns, seller concessions, there's usually a way to mak...
09/29/2026

Rate isn't the deal breaker most people think it is.

Temporary buydowns, seller concessions, there's usually a way to make the numbers work for both sides of a transaction. Sometimes it just takes structuring things a little differently.

Wise County market update, hot off the presses every Monday. Send me a DM so we can get you signed up to get all the information via email!

Good crowd at the Decatur Chamber luncheon this month. Always good to see local business owners and community leaders in...
09/29/2026

Good crowd at the Decatur Chamber luncheon this month. Always good to see local business owners and community leaders in the same room talking about what's actually happening in Wise County.

And yours truly got to do some introductions on the stage!

Address

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

Telephone

+18177157930

Website

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