Joel Comp Factor

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.

Most of the resistance listing agents and sellers show toward VA offers comes from myths rooted more in bad lender exper...
09/02/2026

Most of the resistance listing agents and sellers show toward VA offers comes from myths rooted more in bad lender experiences than in anything inherent to the VA loan program itself.

VA buyers are frequently well-qualified, financially serious, and backed by a government-guaranteed loan that protects both the buyer and the quality of the property they are purchasing.

Tag a Realtor who still believes VA loan myths because this is the post that changes that conversation.

09/01/2026

Most buyers spend more time comparing interest rates than they spend understanding the other variables that actually determine what their monthly payment is going to look like after closing.

Comment PAYMENT, and I will break down every component of your real monthly payment so you know the actual number before you fall in love with anything.

08/31/2026

Buyers are asking the right questions about the market but getting the wrong answers from the wrong sources, and these five reveal exactly where the most expensive assumptions tend to live.

Are you making your home-buying decisions based on market strategy or fear of making the wrong move? Comment NOW and let's talk about what your market actually looks like right now.

08/28/2026

When the rate looked a lot better last week… and now you have to make that call 😂

08/27/2026

Most veterans leave significant advantages on the table because myths about the VA loan are more widely circulated than the truth about what the benefit allows.

Comment VA, and I will tell you exactly what your benefit covers based on your specific situation, because most veterans I talk to are closer to using it than they realize.

The VA loan process is not complicated. It just needs to be explained clearly before you are already in the middle of it...
08/26/2026

The VA loan process is not complicated. It just needs to be explained clearly before you are already in the middle of it. That is exactly what I do.

Comment VA and let’s walk through it together step by step.

08/25/2026

Waiting for the perfect rate. The perfect plan. The perfect house. Those are not strategies. They are confidence delays with a real price tag attached.

Comment COST, and I will show you exactly what waiting another six to twelve months actually looks like for your specific situation, so the decision is based on real numbers instead of a feeling about when rates might move.

Maximum approval and the right payment are two completely different numbers. Only one of them lets you sleep at night.Ar...
08/24/2026

Maximum approval and the right payment are two completely different numbers. Only one of them lets you sleep at night.

Are you shopping for the most you can get, or the home that actually fits the life you want to keep living in?

08/23/2026

Most buyers are letting the wrong things influence the most important financial decision of their lives, and two of these five behaviors get failing or near-failing grades for exactly that reason.

Comment GRADE and I will tell you honestly which of these behaviors might be showing up in your own process right now and what to do about each one.

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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