James Moye Nmls#2389975

James Moye Nmls#2389975 GFS Home Loans is a Mortgage Lender providing quality loans with experience and expertise. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

Established in the heart of San Antonio, Texas, in 2023, GFS Home Loans has been a beacon of excellence in mortgage banking. Our commitment begins at prequalification and extends beyond the closing of your home purchase. As a team of seasoned professionals, we are devoted to ensuring your home-buying experience is both seamless and rewarding. As an equal housing lender, we take pride in serving ou

r vibrant community with a diverse portfolio of residential mortgage options, including:

VA Loans
FHA Loans
Conventional Loans for primary, secondary, and investment properties
Nonconforming – Jumbo Loans
Refinancing Options – Rate & Term, Cash-Out, and VA IRRRL
Innovative “Out of the Box” portfolio products

At GFS Home Loans, we specialize in finding the perfect loan match for every client, tailored to meet their individual needs. We manage your mortgage process entirely in-house, with our dedicated GFS employees who are deeply rooted in the communities we serve. For us, you are more than just a loan number, and service is more than a word in our name. Our commitment is to exceptional, personalized service from the first step in your home search to the moment you hold your new home's keys. TEXAS RECOVERY FUND NOTICE: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER 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. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER 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.

This week, the jobs market did the talking and mortgage rates listened.The latest jobs report came in stronger than expe...
06/08/2026

This week, the jobs market did the talking and mortgage rates listened.

The latest jobs report came in stronger than expected, with upward revisions to prior months reframing a labor market that had looked like it was cooling. Here's the chain reaction: resilient employment data lowers the odds of near-term Fed rate cuts, bond yields climb in response, and because mortgage rates track those yields closely, financing costs edged higher.

What it means underneath the headline:

🏦 The Fed is still widely expected to hold steady at its upcoming meeting — but the market has shifted from anticipating cuts toward pricing in the possibility of hikes later this year

🏠 On the housing side, inventory remains above year-ago levels, asking prices keep softening, and investor activity has pulled back — easing competition for everyday buyers

⚖️ The net effect: borrowing costs nudged up, but the supply-and-competition picture keeps tilting toward buyers
Rates also remain below their recent highs, and a confirmed U.S.– Iran peace deal could open the door to a move lower. The bottom line: the fundamentals are still working in buyers' favor — and the smartest move is being ready when your moment comes.

Want to know what the current market means for your buying power? Message us today:
https://www.gfshomeloans.com/loan-officer/james-moye

If you've been waiting for the housing market to give buyers a break — June is looking like your moment. Here's what's h...
06/02/2026

If you've been waiting for the housing market to give buyers a break — June is looking like your moment.

Here's what's happening as the summer market opens up:
📈 More homes to choose from — inventory is sitting above year-ago levels
💰 Listing prices have eased year-over-year for 19 straight weeks (a record stretch), with more sellers pricing realistically from day one
📊 Mortgage rates are holding in the mid-6% range — and actually lower than they were a year ago
🤝 The takeaway: less bidding-war pressure, more room to negotiate
Smart buyers use a market like this to their advantage — and it starts with knowing your number.

📩 DM us "MARKET" and let's get you Pre-Qualified before you shop.
🔗 https://www.gfshomeloans.com/loan-officer/james-moye

There's a moment, keys in your hand, the door swinging open to a space that's finally yours, that changes everything. Ju...
06/01/2026

There's a moment, keys in your hand, the door swinging open to a space that's finally yours, that changes everything.

June is National Homeownership Month, and we're spending it celebrating exactly that: the dreamers, the savers, and the soon-to-be homeowners getting closer every day.

Because owning a home means:
🏡 Putting down roots and building something lasting
💰 Monthly payments that grow your equity — not your landlord's
🎨 The freedom to make every corner truly yours
👨‍👩‍👧 A foundation your family can grow into for years to come
Your homeownership story doesn't have to wait for "someday."

Let's find out what's possible right now.
🔗 https://www.gfshomeloans.com/loan-officer/james-moye

The market found its balance and that's good news for buyers.Here's what this week's data is telling us 👇📉 30 straight w...
05/28/2026

The market found its balance and that's good news for buyers.

Here's what this week's data is telling us 👇

📉 30 straight weeks of softening prices — the longest stretch of buyer-friendly pricing we've seen in this cycle

🏡 Inventory keeps rising — more choices as sellers reengage heading into summer

📈 The caveat: mortgage rates are still hovering above 6.5%, keeping affordability tight for some buyers

The takeaway? This is a balanced market, not a frenzy, not a freeze. Steady demand, growing inventory, and 30 weeks of price relief make this one of the calmest, most navigable windows buyers have had in a long time.
If you've been waiting for things to "settle down" before making a move — they have. 🔑

DM "MARKET" for a free pre-qualification consultation
🌐 https://www.gfshomeloans.com/loan-officer/james-moye

You're closer to buying than you think. Most people delay the conversation because they assume they're "not ready yet." ...
05/26/2026

You're closer to buying than you think.

Most people delay the conversation because they assume they're "not ready yet." They're waiting until:

— They have 20% down (you don't need that)

— Their credit is perfect (it doesn't have to be)

— Rates drop (they might not, and waiting could cost you more)

— They "feel ready" (you'll never feel ready, that's the trick)

Here's the truth: most buyers find out they qualify for more than they expected — but only after they have the conversation. The "I'm not ready yet" story keeps people renting for years longer than they need to.

Talking to a lender isn't a commitment. It's a clarity check.
Want to know where you actually stand? It takes 10 minutes.

📩 DM "CLOSER" to find out where you really are
🌐 https://www.gfshomeloans.com/loan-officer/james-moye

Today, we honor the ones who never came home — so we could come home to ours. 🇺🇸For every life laid down so that ours co...
05/25/2026

Today, we honor the ones who never came home — so we could come home to ours. 🇺🇸

For every life laid down so that ours could be lived freely.

For every family who carries a name they'll never stop saying.

For every flag folded, every salute held, every grave marked with a story that ended too soon.

We remember.

Not just today. Always.

May is National Home Improvement Month — and if you've been thinking about renovating, you might have more options than ...
05/21/2026

May is National Home Improvement Month — and if you've been thinking about renovating, you might have more options than you realize. 🔨

Most homeowners hear "home equity" and assume HELOC. But the truth is, there are 4 different ways to put your home's value to work and the right one depends on your project, your equity, and your timeline.

Swipe through to see what fits your situation 👉

Whether you're updating the kitchen, finishing the basement, or buying a fixer-upper with big plans, there's a financing path that makes it possible without draining your savings.

Save this post for later and DM "RENO" when you're ready to talk through your options.

📩 DM "RENO" for a renovation financing consultation
🌐 https://www.gfshomeloans.com/loan-officer/james-moye

We see you. 👀You said "we're just looking" at that open house. You said "we're not in a rush." You said you'd "start the...
05/20/2026

We see you. 👀

You said "we're just looking" at that open house. You said "we're not in a rush." You said you'd "start the process in a few months."

Then you got home, opened Zillow, looked at the comps, did the math on rent vs. mortgage, asked your partner about it twice, and three days later, you're DMing us asking about pre-qualification.

It happens to the best of you. 😅
There's nothing wrong with going from "just looking" to "let's go" overnight. That's how it works for most buyers. The moment the right home pops into your feed, "someday" becomes "now."
When you're ready (or already pretending you're not) — we're here.

📩 DM "READY" when you're ready to stop pretending you're not ready
🌐 https://www.gfshomeloans.com/loan-officer/james-moye

Affordability is shifting and most buyers haven't noticed yet.Here's what this week's data is telling us:17 weeks of pri...
05/18/2026

Affordability is shifting and most buyers haven't noticed yet.

Here's what this week's data is telling us:

17 weeks of price softening — sellers continuing to price more competitively to attract serious buyers

2,600+ down payment assistance programs nationwide — a new high, with more options than most first-time buyers realize exist

One caveat: mortgage rates moved sharply upward late last week — worth watching as we head into summer

The takeaway? Even with rates climbing, the broader affordability picture is opening up — especially for first-time buyers who think they "can't afford it yet."

Most homebuyers don't know about the DPA programs that exist in their state. Most assume rates and prices are out of reach without checking. Most are wrong.

If you've been waiting on the sidelines, this might be your window.

📊 Source: Inside Lending Newsletter, Week of May 18, 2026

Buying a home doesn't have to feel overwhelming. Start with a simple plan and the right team. Here's all it takes to get...
05/15/2026

Buying a home doesn't have to feel overwhelming. Start with a simple plan and the right team.

Here's all it takes to get started this spring:
✅ Check your credit
✅ Get pre-approved
✅ Find your home
✅ Close with confidence

You don't have to have it all figured out today. You just have to take the first step and we'll walk every step with you from there.

DM us "PLAN" to get started today.
🌐 https://www.gfshomeloans.com/loan-officer/james-moye

Address

205 E. Highway 80, Suite 130
Forney, TX
75126

Telephone

+12145789191

Website

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