Payton Adams- Loan Officer NMLS# 2140032

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Payton Adams- Loan Officer NMLS# 2140032 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 our 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.

10/28/2026

$385K. Great neighborhood. Updated kitchen. 👀
Deal or no deal?

The list price is only one part of the deal—taxes, repairs, concessions, and the monthly payment can change everything.

At what point do you switch to no deal? ⬇️

10/20/2026

Feeling really fortunate to be part of so many big moments with this sweet couple—their first home, a birthday celebration, and even finding out their baby’s gender.

It’s such a good reminder that this is more than a closing. I get to be part of people’s real lives and some of their biggest milestones. I truly love what I get to do.

Huge shoutout to Jordan—we really are the dynamic duo.

9 families into homes in September.The market may feel loud, but people are still buying, investing in their future, and...
10/19/2026

9 families into homes in September.

The market may feel loud, but people are still buying, investing in their future, and getting their keys.

Don’t let the headlines or outside opinions convince you that your goal has to wait. Get the right information, explore your options, and make a plan that works for you.

If homeownership is one of your goals, I’d love to help you accomplish it.

How much house can you actually afford? Here’s a real-life idea. 👇It’s the question I get all the time, so here’s a simp...
10/19/2026

How much house can you actually afford? Here’s a real-life idea. 👇

It’s the question I get all the time, so here’s a simple estimate for San Antonio. It’s meant to be on the safe side, not the stretch side.

First, your income and about what that could mean for a purchase price. Then, what happens when you add monthly debt. Every $100 a month in debt lowers your home budget by about $10,700. A car payment can change the picture more than most people expect.

These are estimates for a conventional loan, based on 5% down, a 43% debt-to-income ratio, a 7.50% rate, estimated San Antonio property taxes and insurance, and no other debts. Your real numbers depend on your credit, down payment, debts, and the full picture. Some people qualify at a higher ratio, and some don’t.

The highest number you can be approved for isn’t always the right number to spend. My goal is for you to feel comfortable with your plan before you ever start looking at homes.

If you want to see where you land, send me a message and we’ll look at your real numbers together.

10/09/2026

Did you miss us? 🥐 October 17, Bird Bakery. Come through!
Link in bio!
fallvibes firsttimehomebuyer

10/08/2026
If buying a home has ever crossed your mind in even the slightest way, you need to come to this.We’re making it fun, eas...
10/08/2026

If buying a home has ever crossed your mind in even the slightest way, you need to come to this.

We’re making it fun, easy to understand, and full of real information you can actually use. Come get your questions answered, see what a plan could look like for you, enjoy coffee and breakfast, and enter to win a one-night stay at Hotel Emma.

Sign up here:
https://allieturner.myflodesk.com/homebuyingseminaroct17

San Antonio friends — if buying a home is on your radar, come see us.Allie and I are hosting a free Home Buying Seminar ...
10/08/2026

San Antonio friends — if buying a home is on your radar, come see us.

Allie and I are hosting a free Home Buying Seminar where we’ll break down what it really takes to buy, what you may need saved, what payments can look like, and how to get started.

Coffee and breakfast are provided, and we’re giving away a one-night stay at Hotel Emma.

Saturday, October 17 | 9–11 AM
Bird Bakery in Alamo Heights

Scan the QR code to sign up, or message me and I’ll send you the link.

Maybe buying a home is not as far away as you think.If you have been renting, saving, or just wondering what it would ta...
10/07/2026

Maybe buying a home is not as far away as you think.

If you have been renting, saving, or just wondering what it would take, come see us. We’re talking through real numbers, different options, and what a plan could look like for you.

Home Buying Seminar
Saturday, October 17 | 9–11 AM
Bird Bakery

And yes, someone is winning a one-night stay at Hotel Emma.

Message me for the sign-up link.

Address

San Antonio, TX

Opening Hours

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

Telephone

+12109991832

Website

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