Joel Comp Factor

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Joel Comp Factor Established in the heart of San Antonio, Texas, in 2023, GFS Home Loans has been a beacon of excellence in mortgage banking.

Joel Comp
Loan Originator (NMLS # 207973) 🙎‍♂️
GFS Home Loans (NMLS # 35960) 🏦
Equal Housing Lender 🏠

With over 25 years of lending experience helping buyers win in any market. 📈🏡 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.

The VA funding fee keeps the program alive for every veteran who comes after you. It can be financed. And if you have a ...
10/20/2026

The VA funding fee keeps the program alive for every veteran who comes after you. It can be financed. And if you have a disability rating, you may not owe it at all.

Comment VET, and I will check if you qualify for the exemption right now.

10/19/2026

New job. Better income. Great opportunity. Wrong timing if you are under contract. Close on the house first, then make the move.

Hot take or facts? Tell me in the comments.

10/16/2026

Some people hear gossip. Loan officers hear a potential conversation. 😂

10/15/2026

Most first-time buyers are operating on beliefs about the home-buying process that are simply not accurate, and every one of those beliefs is adding unnecessary time and stress to a decision that could have been made months ago with the right information.

Perfect credit is not required. Pre-approval does not hurt your score. Down payment is not the only closing expense. A higher price does not always mean a higher payment. And the process absolutely starts before you find the house.

Comment MYTHS, and I will tell you which of these beliefs might be affecting your timeline right now so we can replace them with what is actually true for your situation.

Twenty-five years of mortgage files taught me one thing above everything else. Most people are closer to homeownership t...
10/14/2026

Twenty-five years of mortgage files taught me one thing above everything else. Most people are closer to homeownership than they think. The uncertainty is rarely the reality.

How much further do you think you are from homeownership than you might actually be?

10/13/2026

Most buyers who said they were going to wait for rates to get better a few months ago are still waiting, and the rates they were hoping for have not arrived the way they imagined they would.

Nobody can time the market. Not me. Not the economists. Not the people whose entire job is watching what rates do. What actually builds wealth in real estate is time in the market, not timing the market.

Comment NOW, and I will show you what the real cost of waiting has been for your specific situation and what moving forward right now actually looks like compared to what you have been waiting for.

10/12/2026

Grateful for moments like this. 🌴

Being part of the 2026 President’s Club in the Bahamas was a great reminder that the work is about more than the numbers. It’s about the people, the relationships, and the team you get to share the journey with.

A lot of hard work goes into a year like this, so it was pretty special to slow down, reconnect, celebrate, and enjoy some time with an incredible group of people.

Proud of what we accomplished and even more grateful for the people who made it possible.

Here’s to the work, the wins, and the people behind them. 🥂

Most buyers are waiting for a credit score that feels perfect before they are willing to start the conversation that wou...
10/09/2026

Most buyers are waiting for a credit score that feels perfect before they are willing to start the conversation that would show them whether they actually need it or not.

In almost every case, the plan and the guidance are what move buyers forward, not the perfection they were waiting to achieve before they felt ready to begin.

Comment PLAN, and I will look at your real credit picture right now and tell you honestly what a clear plan forward actually looks like for your specific situation so you stop waiting for a number that was never the only answer.

10/09/2026

Most first-time buyers have heard more mortgage advice from friends and family than they will ever hear from an actual mortgage professional, and almost none of it was specific to their income, their credit, their market, or the programs available to them right now.

Friends advise from a place of love, but also from a place of limited and outdated experience and sometimes from a subtle competitive instinct they may not even be fully aware of.

Are you making home-buying decisions based on someone else’s one-time experience or based on what is actually true for your specific situation today?

Buyers do not keep starting over because they are not serious. They keep starting over because motivation without struct...
10/08/2026

Buyers do not keep starting over because they are not serious. They keep starting over because motivation without structure is just energy with nowhere to go.

Comment PLAN and let’s build the structure that keeps you moving forward.

Address

2822 N Loop 1604 W Suite 101
San Antonio, TX
78248

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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