Matthew Martel, Residential Mortgage Loan Officer

08/25/2026

5.0 star review received on Experience.com for Matthew Martel by Paul S - Mr. Martel was always attentive to my wife's and my needs, answering all questions and ensuring that we were on the right track to make the purchase. While this was a lengthy process, Mr. Martel was with us throughout the journey. Highly competent and dedicated to a fantastic customer experience.

Click to see all 176 reviews of Guild Mortgage - Matthew Martel, Loan Officer | NMLS # 235237

08/24/2026

Google can tell you what a mortgage is. It can't tell you if you're ready to have one.

I've had first-time buyers in Dallas-Fort Worth spend weeks searching "how much home can I afford" when the real answer depends on their credit, debt, and down payment, numbers a calculator can't see, and a search engine can't ask about.

That's the difference between an online lender and an in-person loan officer: I'm not giving you a generic answer. I'm giving you YOUR answer, then building the plan to get you there.

If you're a first-time homebuyer in Texas wondering where to even start, stop scrolling through search results and send me a message. Let's map out your actual path to homeownership.

08/23/2026

"I don't have traditional income" doesn't mean "I don't qualify."

If you're self-employed, a 1099 contractor, a real estate investor, or paid in RSUs, the standard mortgage checklist was never built for you. That's exactly why these programs exist:

Bank statement mortgages for business owners who write off everything on paper
DSCR loans for investors who want approval based on property cash flow, not personal income
ITIN loans for buyers without a Social Security number
Asset utilization for people sitting on savings or investments instead of a W2
Interest-only and doctor programs for specific income timelines

Dallas-Fort Worth buyers ask me constantly: "What's the best mortgage option for self-employed or non-traditional income?" There isn't one answer, there's the right program for your situation.

DM me and let's see which one fits.

08/22/2026

"Clear to close" is the best email you'll get in your inbox during a home purchase. It means every condition is met, your loan is fully approved, and closing day is locked in.

If you're a first-time homebuyer in Dallas-Fort Worth wondering how long it actually takes to close on a house in Texas: most conventional loans close in 30 days from contract to keys, assuming your financing is in order early. That's why getting pre-approved (not just pre-qualified) before you start touring homes matters so much.

Waiting for rates to "hit the perfect number" costs people more than just moving forward with a solid plan and refinancing later if the market shifts. If you want to know exactly where you stand and what your real timeline to close looks like, send me a message. Let's get you your own "clear to close" moment.

08/22/2026

5.0 star review received on Experience.com for Matthew Martel by Marilyn H - Matthew Martel took initiave in making sure we stayed on track, was wonderful at communicating, and showed patience in somewhat a difficult situation. I would definetley work with Mr. Martel again.

Click to see all 175 reviews of Guild Mortgage - Matthew Martel, Loan Officer | NMLS # 235237

08/21/2026

5.0 star review received on Experience.com for Matthew Martel by Ashley F - Matthew was great to work with and the transaction funded without any issues.

Click to see all 175 reviews of Guild Mortgage - Matthew Martel, Loan Officer | NMLS # 235237

08/21/2026

5.0 star review received on Experience.com for Matthew Martel by Juanita M - Matt was always helpful, encouraging, and available. Any questions and concerns he was right there helping. He was the highlight of the whole process.

Click to see all 175 reviews of Guild Mortgage - Matthew Martel, Loan Officer | NMLS # 235237

08/21/2026

Rate buydowns, seller concessions, adjusting your loan term, improving your credit profile before you lock, even how you structure your down payment... they all move the number on your rate sheet. The "just wait for rates to drop" strategy isn't the best play, and for a lot of first-time buyers in DFW, it shouldn't even be an option.

If you're sitting on the sidelines waiting for the market to save you, send me a message. Let's run your actual numbers and find the lever that works for your situation

08/21/2026

If you're a first-time homebuyer in Dallas-Fort Worth waiting for rates to "get better," here's the real math: renters have missed out on decades of equity growth by waiting. Homeowners are now 43x wealthier than renters, according to NAR data.

You don't need perfect conditions. You need a plan that works with where rates are right now.

I help DFW buyers figure out what they actually qualify for, what a real monthly payment looks like, and how to stop waiting and start building equity.

Send me a message and let's run your numbers.

08/18/2026

Pro tip: Always confirm with your servicer how extra payments get applied before sending one in!