Bayway Mortgage HTX

09/09/2026

Clear to close!

Self-employed buyers relocating from Spring to Austin. They’re selling their current home and buying the new one, and we were able to time everything up perfectly.

No appraisal required 🙌

Self-employed doesn’t have to mean complicated. Another smooth one to the finish line! 🏡

08/31/2026

CLEAR TO CLOSE IN 5 DAYS

These borrowers needed to sell their current property and use the proceeds toward the purchase of their next home.

We were able to get them Clear to Close in just 5 days while also securing:

$7,000 in seller credits
$10,000 in instant equity
An interest rate under 6%

A lot of moving pieces between the sale and purchase, but everything is lined up and ready to close.

Fast approvals. Strong terms. Smooth closings.

08/20/2026

Realtors how many times have you heard buyers complain the credit score they see is so different than what a lenders report shows?

Now there's a cure to close the gap!

08/19/2026

Foreign National Clear to Close!

Investor lives in Mexico & wanted to purchase an investment property here in the U.S.

Here’s what he needed to qualify:

- 25% DOWN PAYMENT

That’s it.

- NO CREDIT SCORE
- NO INCOME DOCUMENTS

Thank you for always trusting my team and I Dagieu Irene 🫡

08/17/2026

⭐️⭐️⭐️⭐️⭐️

08/17/2026

5.0 star review received on Experience.com for Ronald Gaydos NMLS # 1833344 by Wesley C - I had an excellent experience working with Ronnie as my lender. From the beginning of the process all the way through closing, Ronnie was professional, knowledgeable, responsive, and committed to getting the deal done.

My loan process definitely had some challenges along the way, but Ronnie stayed on top of everything, kept me informed, answered my questions, and worked through every obstacle that came up. I really appreciated his patience and determination throughout the entire process.

Thanks to Ronnie and the entire team, I was able to successfully close on my first duplex, which was a huge milestone for me. I’m extremely grateful for all the work that went on behind the scenes to make it happen.

I would absolutely recommend Ronnie to anyone looking for a lender who will communicate with you, work hard for you, and stay with you all the way to the closing table.

5 stars! ⭐️⭐️⭐️⭐️⭐️ Thank you again, Ronnie!

Click to see all 290 reviews of Ronald Gaydos NMLS # 1833344 , Loan Originator - NMLS # 1833344

08/12/2026

Self-employed?

Don’t assume you can’t qualify for a home.

Your tax returns aren’t always the only option. Bank statements, 1099s, or a P&L may work too.

There’s more than one way to qualify.

📲 (832) 851-5436
📧 [email protected]

08/11/2026

CLEAR TO CLOSE ✅

First-time homebuyer AND self-employed.

Only 3.5% down on a duplex and they’ll be renting out the other side to help cover the mortgage.

Austin Davis also secured $17,000 in seller credits to help with closing costs.

Buying your first home doesn’t have to mean starting with a single-family property.

Live in one side. Rent out the other. Start building wealth from day one. 🏡

08/06/2026

13 Day Clear to Close!

First-time homebuyer.

$9,000 in seller credits.

$15,000 in instant equity on day one.

This is why the details matter. It isn’t always about getting an offer accepted. It’s about putting together a deal that leaves the buyer in the best position possible.

07/29/2026

NEW 3.5% Down Self-Employed P&L Loan

This FHA-based program allows eligible self-employed borrowers to qualify using their self-prepared Profit & Loss statements and a current balance sheet without using tax returns to qualify.

Program Highlights
- Just 3.5% down
- No tax returns used to qualify
- Self-prepared P&Ls accepted
- Current balance sheet required
- Up to 96.5% LTV
- 640 minimum FICO (program guidelines apply)
- Primary residence financing
- Gift funds permitted from eligible donors