The Comp Factor

The 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 | DBA of Right Start Mortgage (NMLS #35960) 🏦
Equal Housing Lender 🏠

With over 20 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 bo

th 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.

Waiting years to buy a home because of an imperfect credit score is one of the most common and most avoidable mistakes f...
06/17/2026

Waiting years to buy a home because of an imperfect credit score is one of the most common and most avoidable mistakes first-time buyers make.

Mortgage approval is built around the full financial picture, not just one number, and credit can often be improved faster than most people realize when the right strategy is in place.

Comment CREDIT, and I will help you understand exactly where you stand and what a realistic path to approval actually looks like for your situation.

06/16/2026

Most buyers think that once a loan closes, the file is done and nobody looks at it again.

The reality is, mortgage files get audited multiple times before and after closing by the lender, the investor, the insuring agency, and sometimes a servicer years down the road, and every single one of those reviews has to make sense.

Have you ever wondered what actually goes into making a complex credit file defensible long after the keys are handed over?

06/14/2026

An 85-year-old veteran was denied his first home over a late payment on his wife's credit report, and the lender simply closed the file and moved on.

Sometimes the right move is not just following the rules but understanding them well enough to know when fighting for someone is absolutely worth it.

Have you or someone you know been told no when the situation clearly deserved a second look?

Share this with a veteran who needs to hear it.

Stepping into the market without knowing your real numbers is like showing up to a game without knowing the rules.Buyers...
06/13/2026

Stepping into the market without knowing your real numbers is like showing up to a game without knowing the rules.

Buyers who know their exact buying power, real payment, and full financial picture before they start looking never hesitate when the right home shows up.

Comment KNOW and I will help you get completely clear before you take a single step into the market.

06/12/2026

To every homebuyer, 3 days before closing:

DO NOT:
• buy a new car
• switch jobs
• finance furniture
• open a credit card “just for the points.”

06/11/2026

Most buyers think paying off debt while under contract is a smart financial move, but it can actually delay closing or cost you the home entirely.

Lenders have to verify where those funds came from, and until they do, your timeline is on hold, which means the right time to pay off debt is on the Closing Disclosure, where everything is transparent and documented.

Comment DEBT, and I will walk you through what to do and what not to do while you are under contract so nothing puts your deal at risk.

Being told no by one lender does not mean the answer is actually no. It often just means you have not found the right le...
06/10/2026

Being told no by one lender does not mean the answer is actually no. It often just means you have not found the right lender yet.

Complex income, credit concerns, and confusing documentation are exactly the kind of files where experience and strategy make the difference between a denial and a closed loan.

Comment PATH, and I will take a fresh look at your situation because a second opinion has changed everything for a lot of people who thought they were out of options.

06/09/2026

That incredibly low rate an online lender quoted you upfront has a way of looking very different by the time you are already under contract and the real numbers start coming in.

Higher closing costs, updated payment figures, and rate lock fees that were not part of the original conversation are exactly why working with a trusted local lender your Realtor refers you to makes such a significant difference.

Comment LOCAL, and I will show you what a transparent and honest lending experience actually looks like from start to finish.

06/08/2026

Sometimes the money a buyer planned to use for closing turns out to be unusable once an underwriter reviews the account, and that late-in-the-process discovery can feel like the deal is over.

Overdrafts, short-term financing, and undocumented deposits can make an entire account ineligible, but pivoting to a gift from a family member or loved one is often the move that saves the closing.

Comment FUNDS, and I will walk you through what counts as eligible funds to close and what to do if yours do not qualify.

Address

2822 N Loop 1604 W Acc Rd Ste. 111
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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