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.

05/28/2026

Early communication beats last-minute scrambling every single time, and a prepared file will always outperform a rushed one.

The buyers who win are not the luckiest ones in the market.
They are the most prepared ones, and that preparation starts long before the offer ever gets written.

Comment STRONG, and I will help you build the kind of file that makes your offer impossible to overlook.

Being self-employed does not disqualify you from buying a home, but working with the wrong lender might make it feel tha...
05/27/2026

Being self-employed does not disqualify you from buying a home, but working with the wrong lender might make it feel that way.

Write-offs, variable income, and complex financials are not roadblocks when someone knows how to read them the right way.

I will show you how to navigate the process as a business owner without unnecessary stress.

05/26/2026

What if the 4 percent VA rule is not what you think it is?

Most buyers believe seller contributions are capped, but the truth is certain costs do not count toward that limit, which can change your entire strategy

Comment VA, and I will send you the full breakdown

05/24/2026

Having hundreds of thousands in savings does not automatically qualify you for a mortgage because lenders need to see income, not just assets.

For buyers approaching retirement or transitioning out of a job, starting distributions from a retirement account can create the stable income needed to get a loan approved.

Comment RETIRE, and I will walk you through how retirement income can be used to qualify for your next home.

People who regret buying a home are rare.The people who regret waiting too long are everywhere.A clear plan removes the ...
05/23/2026

People who regret buying a home are rare.

The people who regret waiting too long are everywhere.

A clear plan removes the fear, answers the questions, and gives you the confidence to move when the timing actually makes sense for your life.

Comment PLAN, and I will help you build yours before the window closes.

05/22/2026

She thought “manifesting homeowner energy” counted as income 😭 The underwriter would, unfortunately, like to see… money. 😂

The dream is free.
The mortgage is not.

05/21/2026

Most buyers focus on the wrong things and do not realize it until the deal is already in trouble.

Rates change, but your strategy should stay solid, your communication should stay open, and you should never fall in love with a home before you know what the numbers actually look like.

Comment PLAN, and I will help you build the right foundation before you start.

Most renters think they need perfect credit, a huge down payment, or the perfect moment to finally buy a home.Especially...
05/20/2026

Most renters think they need perfect credit, a huge down payment, or the perfect moment to finally buy a home.

Especially for people currently renting in Texas, that belief keeps a lot of future buyers stuck longer than they need to be.

The truth is, the only thing most people are missing is a clear plan and someone to walk them through the real steps.

Comment STEPS, and I will show you exactly where to start.

05/19/2026

A deal days away from closing is not always a dead deal.

It is sometimes just a strategy problem waiting for the right solution.

By putting less down and using that extra cash to eliminate debt, we brought the loan back in line and closed on time.

Comment SAVE and I will show you how smart restructuring can change your outcome.

05/18/2026

Most buyers are waiting to save 20% down without knowing there are better options available right now.

The real barrier is not the money. It is not having someone explain what your actual path looks like.

Comment on OPTIONS, and I will walk you through what is actually available for your situation.

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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