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Bayway Mortgage HTX

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United States
Houston, TX
Bayway Mortgage HTX

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NMLS # 1057426, Equal Housing Lender | NMLS 1833344 I graduated from Texas A&M University Mays Business School with a degree in Finance in 2018.

🏆 Top 1% Mortgage Lender 🏆
🥇Award Winning Loan Officer🥇
⭐️⭐️ 200+ 5 STAR Reviews ⭐️⭐️

📲 (832) 851-5436
📧 [email protected]

Mortgage Loan Officer with JRDB, Inc. I’m a licensed Loan Officer in the State of Texas. I pride himself on being honest, trustworthy, and knowledgeable in the real estate market. I know how important it is to find your dream home even with a non-perfect credit history. Therefore, I will make it my responsibility to help you achieve those goals. Whether you are an experienced investor or a first time buyer, I can help you finance the property of your dreams. Call me today to start your home buying process! CALL OR TEXT: 832-851-5436

11/03/2026

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10/28/2026

What if you could get rates as low as 4.25% in today’s market?

We’re getting creative with how we structure deals by negotiating up to 6% in seller credits and using those funds to buy down the buyer’s interest rate.

The flyer below shows what rates could potentially look like across Conventional, FHA, and VA financing.

Same house. Better financing. Lower monthly payments.

📲 (832) 851-5436
📧 [email protected]

10/26/2026

CLEAR TO CLOSE IN JUST 13 DAYS!

Another huge win for our first-time homebuyer! We structured this deal to maximize seller contributions, secure a competitive interest rate, and get our buyer to the closing table FAST.

Here’s how we made it happen:

* 13-Day Clear to Close
* $15,840 in Seller Credits negotiated
* 5.749% Interest Rate
* FHA 3/1 ARM, fixed for the first 3 years

By leveraging seller credits and strategically structuring the financing, we helped our buyer take advantage of today’s market while keeping their upfront costs down.

Shout out Claudia Mulet for negotiating this for our buyers 🫡

10/26/2026

CLEAR TO CLOSE IN JUST 9 DAYS!

Another huge win for our buyer, and a perfect example of how the right loan structure can make all the difference.

Here’s how we made it happen:

* 9-Day Clear to Close
* $21,000 in Seller Credits negotiated and used to buy down the interest rate
* 4.498% Interest Rate on an FHA 3/1 ARM, fixed for the first 3 years
* $38,000 in Instant Equity based on the appraisal coming in above the purchase price

That’s $21,000 in seller contributions, a significantly reduced initial interest rate, and $38,000 in equity from day one.

This is how we win in today’s market. It’s not just about getting buyers approved. It’s about structuring deals that put them in the strongest financial position possible.

Shout out Kelsey Martinez Kelsey Levitate Realtor being able to negotiate this for our buyers 🫡

10/19/2026

CLEAR TO CLOSE IN JUST 13 DAYS!

Another first-time homebuyer getting a HUGE win!

✅ $20,994 in seller credits covering closing costs and funding a 3-2-1 Buydown

✅ 3% lower interest rate in Year 1, 2% lower in Year 2, and 1% lower in Year 3

✅ Instant equity with the appraisal coming in ABOVE the purchase price

Lower payments, minimal out-of-pocket costs, and walking into a home with equity already built in.

This is what happens when you structure a deal the right way!

10/13/2026

Another one CLEAR TO CLOSE! 🏡🔥

Refinancing this investor out of a hard money loan into a long-term DSCR loan.

✅ 70% LTV
✅ No minimum DSCR ratio required
✅ Getting out of expensive hard money financing

Not every investment property has to cash flow perfectly to qualify. It’s all about knowing the right loan programs and how to structure the deal.

10/12/2026

CLEAR TO CLOSE! 🏡🔥

In just 6 days 👀

Another first-time homebuyer getting an awesome deal!

We structured this loan with a 3-2-1 Buydown, which means their interest rate is reduced by:

✅ 3% lower in year 1
✅ 2% lower in year 2
✅ 1% lower in year 3

On top of that, Austin Davis negotiated enough seller credits to cover their closing costs! 💰

Lower payments for the first 3 years AND minimal cash needed at closing.

10/08/2026

5.0 star review received on Experience.com for Ronald Gaydos NMLS # 1833344 by Nancy S - Ronnie was great to work with! He helped make the process pretty painless! Always available when we had a question. He and his team kept us well informed. Highly recommend!

Click to see all 294 reviews of Ronald Gaydos NMLS # 1833344 , Loan Originator - NMLS # 1833344

10/07/2026

First-time homebuyer officially clear to close.

We were able to get the seller to cover the buyer’s closing costs AND get them a 1% lower rate for their first year in the home.

Less money out of pocket upfront and a lower monthly payment for year one.

Love being able to structure deals like this and make buying a home a little easier, especially for a first-time buyer.

Address

Houston, TX
75032

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Telephone

+18328515436

Website

http://baywayhtx.com/ronnie/

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