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Jose Conde GFS Home Loans

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Jose Conde GFS Home Loans

Jose Conde is a Regional Manager at GFS Home Loans

Visit his website at: www.gfshomeloans.com/loan-officer/jose-conde

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. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. 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.

08/31/2026

There are more homes on the market right now than at any point since 2019.

That is the part of this market nobody was talking about a year ago. Active inventory has climbed to about 1.14 million homes, the median asking price has eased to roughly $420,000, and homes are still selling slightly faster than they were last year. Sellers who price realistically are finding buyers. Sellers who don't are sitting.

Affordability moved the right way too. The median mortgage payment fell in July to around $2,175, and fewer homeowners fell behind on payments.

The catch is rates. They pushed higher again at the end of last week, and that pressure is keeping a lot of would-be buyers on the sidelines — which is exactly why the buyers who are out there have room to negotiate that they didn't have two years ago.

More choices. Less competition. That combination doesn't last forever.

Friday brings the August jobs report, which tends to move rates more than almost anything else on the calendar. Expect movement.

Comment UPDATE for a weekly market recap.

Get Pre-Qualified at https://www.gfshomeloans.com/loan-officer/jose-conde

08/21/2026

Nobody talks about what actually happens when rates come down.

Every buyer who has been sitting on the sidelines gets the same signal at the same time. They all come back at once. And the thing that was in short supply the whole time, houses doesn't suddenly multiply to match.

More buyers competing for the same inventory tends to move prices up. Which means the savings people were waiting for often gets handed right back at the offer table.

That's not an argument for rushing. It's an argument for being ready:

✔️ Know your comfortable payment before the market gets loud
✔️ Have your documents together, not scattered
✔️ Understand what you'd need at closing
✔️ Be Pre-Qualified so you can move on a Thursday, not a month later

Waiting isn't the mistake. Waiting unprepared is.

Comment READY and I'll walk you through where you'd stand.

Get Pre-Qualified at https://www.gfshomeloans.com/loan-officer/jose-conde

08/19/2026

The saved folder is full. The tours never happened.

It's almost never because the homes were wrong. It's because there was no number attached so every listing felt like a maybe instead of a yes or a no.

Knowing your range changes how you look at a house:

✔️ You stop touring homes that were never going to work
✔️ You recognize the right one faster
✔️ You can make an offer without a two-week scramble
✔️ You stop guessing what your payment would actually be

A saved listing is a wish. A number is a plan.

Comment SAVED and I'll walk you through what your range could look like.

Get Pre-Qualified at https://www.gfshomeloans.com/loan-officer/jose-conde

08/17/2026

Rates spent most of the summer moving the wrong direction. Last week they moved the right one.

By Thursday, mortgage rates had reached their lowest level in about a month. The driver was inflation data at the wholesale level coming in softer than expected — the kind of report that doesn't make headlines but does move rates.

The 30-year fixed averaged around 6.71% to close the week, down slightly week over week.

Here's the part worth paying attention to: this window opened on a Thursday and had mostly closed by Friday afternoon. That's how fast these things move now.

The people who benefit from a week like this aren't the ones who start looking after they see the headline. They're the ones who already had their numbers ready and could act on a Thursday.

The Fed releases its meeting minutes Wednesday, so expect more movement this week.

Comment UPDATE for a weekly market recap.

Get Pre-Qualified at https://www.gfshomeloans.com/loan-officer/jose-conde

08/12/2026

The supply lists are done. The schedules are set. Somehow it all gets figured out by the second week.

Families are good at planning when the deadline is real. The home stuff tends to sit in the "we'll get to it" pile — not because it doesn't matter, but because nothing forces the date.

Fall usually changes that. Inventory shifts, families who waited out the summer start moving, and the ones who did their homework early are ready when something good shows up.

✔️ What a comfortable monthly payment actually looks like for you
✔️ Whether your current loan still fits the life you're living
✔️ What you'd need in hand before making an offer
✔️ Which timeline makes sense — this fall, or next spring

You already know how to plan. This is just one more thing on the list.

💬 Comment FALL and I'll walk you through it.
🔗 Get Pre-Qualified at https://www.gfshomeloans.com/loan-officer/jose-conde

08/05/2026

Another month, another reason to be grateful. Thank you to everyone who trusted me along the way. 🏡

08/01/2026

Somewhere between the pool days and the school-supply aisle, summer quietly slips into fall.

If "buy a home this year" was on your list back in June, here's your gentle nudge: there's still time. The spring rush has cooled, sellers are pricing realistically, and the buyers who move this fall are the ones getting ready right now.

You don't need the perfect moment. You need a first step. Let's figure out what's possible before the year turns.
🔗 https://www.gfshomeloans.com/loan-officer/jose-conde

07/31/2026

Pop quiz!

Which of these changes your monthly mortgage payment the MOST?

A) Property taxes
B) Homeowners insurance
C) Your interest rate
D) All of the above

Take your guess in the comments before you scroll. 👇

The answer? D all of the above. Most people assume it's just the rate, but your taxes and insurance are usually baked right into that monthly number through escrow. Move any one of them and your payment moves with it. That's exactly why "what's the rate?" is only part of the picture.

Want to see what actually shapes YOUR payment?

🔗 https://www.gfshomeloans.com/loan-officer/jose-conde

07/29/2026

You got the keys. Everyone celebrates that part. Nobody tells you what to do next.

The first month in a new home is a blur of boxes and takeout, but a handful of small things done now will save you real money and real headaches later:

Find your shutoffs before you need them
✔️Rekey every exterior door
✔️File your homestead exemption (most people miss the deadline)
✔️Start setting aside about 1% of your home's value a year
✔️Understand what your escrow actually covers
✔️Build one home file for warranties, manuals, and closing docs
✔️Set a maintenance rhythm
✔️Keep your credit steady for whatever comes next

Save this for your first month. 📌

And here's the part a lot of people don't realize: your lender doesn't disappear at closing. Questions about escrow, taxes, or what your equity could do down the road? Still our job.

We're happy to help long after the keys change hands.
🔗 https://www.gfshomeloans.com/loan-officer/jose-conde

07/27/2026

Yes, mortgage rates hit a one-year high this week. But the why is the part worth knowing.

It's mostly about oil. Overseas tensions pushed energy prices up, and that pushed inflation fears and rates up with them.

Because it's oil-driven, there's a clear path back down if energy prices ease.

And rates are only at "a one-year high" because this past year was the best stretch since 2021.

The market itself is steady. The takeaway isn't panic, and it isn't "wait." It's being ready, so you can move whenever the moment works for you.

Let us get a personalized read on what today's rates mean for you.

🔗 https://www.gfshomeloans.com/loan-officer/jose-conde

Address

11401 SW 40 Street STE: 470
Miami, FL
33165

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm

Website

https://www.gfshomeloans.com/loan-officer/jose-conde

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