I’m a Rate loan officer based in Colleyville, Texas, and I work one-on-one with every client I serve. From your very first phone call through your closing day, I’m personally available to answer questions, explain your options clearly, and make sure you feel confident with the loan program you choose.
I started in this business to make mortgages less confusing. My job is to walk you through every option in plain language, so you choose with confidence — not guesswork.
Every client gets the same thing from me: a clear plan and a direct line to ask questions
I’ll walk you through VA, FHA, and USDA options with as little as 0–10% down.
I help clients tap into grant programs that ease the down payment hurdle.
I specialize in 0%-down VA financing for service members and their families.
Self-employed? I can qualify you using bank statements — no tax returns needed.
I handle financing for larger purchases and luxury home markets.
I can get your loan approved in as little as one business day.
A few of the loan types I personally specialize in closing for clients across
North Texas.
I can lock your rate for 60–90 days before you’ve even found a home.
I arrange financing without a U.S. Social Security number or FICO score.
You’ll always know exactly where your loan stands and what I’m doing about it — no chasing me down for updates.
You work directly with me, not a call center, from day one to closing.
I explain every term in plain language so nothing catches you off guard.
Bank-grade systems protect your information at every step.
VA, jumbo, physician, foreign national, and more — I'll find your fit.
Michael BregyTrustindex verifies that the original source of the review is Google. I had the pleasure of working with Tony Martin, VP of Mortgage Lending, while exploring home loan options, and I could not have appreciated his help more. As a first-time homebuyer, I spoke with several lenders while trying to understand not only the best available rates, but also the overall costs, cash to close, and long-term impact of each option. From the beginning, Tony was friendly, transparent, patient, and never made me feel pressured. One thing that really stood out to me was how he adapted to the way I learn. When I mentioned that I am a visual person, he suggested a virtual meeting and shared his screen so I could see the numbers in real time. As I asked questions about specific costs or different scenarios, he entered the numbers into his spreadsheet and showed me exactly how each change would affect my rate, payment, and cash to close. That level of clarity was incredibly helpful. Tony was patient with all of my questions from beginning to end, and he was always honest and upfront about what he could and could not do. At the end of each call and email exchange, he made sure I understood everything and asked if I had any additional questions. I do not usually write reviews, but when someone provides such a transparent, genuine, and helpful experience, it deserves to be shared. I am very grateful for Tony’s time, professionalism, and kindness throughout the process. Justin MoodyTrustindex verifies that the original source of the review is Google. There's not enough words to express how amazing Tony was in this whole process. He was extremely transparent. Through his coaching and dedication, it got us over the finish line! Thanks, Tony!! CORY THOMPSONTrustindex verifies that the original source of the review is Google. My client was sent to Tony Martin when my in-house Lender couldn’t get the loan closed. Tony Martin gave regular updates, and closed the loan on time. I recommend Tony Martin to anyone looking for a great loan experience. Cory Thompson Legend Homes Rocky Creek Crossing Whitney MoodyTrustindex verifies that the original source of the review is Google. I had an excellent experience working with Tony and his team. Tony was very informative, kept me up to date every step of the way, and was always available to answer any questions I had. He made the entire process as stress-free as possible. From start to finish, his service was truly top-notch! Chad ReetzTrustindex verifies that the original source of the review is Google. I had to pleasure of working with Tony on a recent transaction. His contact was early, often, and frequent insuring we were always in the loop with the latest information throughout the transition. I look forward to doing business with him again in the future. - Chad with The Reetz Team | Skyward Realty Letty BerryTrustindex verifies that the original source of the review is Google. Tony provided great communication to my client & I throughout the entire process. He was able to close the loan quickly & efficiently, and I can’t wait to work with him again. Ebonee CoxTrustindex verifies that the original source of the review is Google. Tony had been great! I’ve truly enjoyed working with him! Tony took time to make sure I was well informed about all of my loan options. Additionally, he made sure to communicate with me each step of the way! He even cleared his schedule to make sure he was free to be at the closing! His entire team was amazing! I can’t thank them enough! Jamie GrayTrustindex verifies that the original source of the review is Google. Tony is amazing! Such a comfort to work with such a professional! He reviewed multiple options, and was very communicative during the entire process. Patrick NussTrustindex verifies that the original source of the review is Google. Tony is the best! He is knowledgeable, professional, personable, but most importantly, he truly cares. He was the only lender who was willing to help my wife and I get into a home (as we had to jump through a few hoops) and he never gave up on the process, even when we felt hopeless. He took us getting into our home personally, and made sure that it happened, and was even able to save us $100 on our monthly payment a couple days before closing! He has taken the same amount of care with several clients of mine since, and I cannot thank him enough. He is my go-to guy, and will continue to be! Grace and BlakeTrustindex verifies that the original source of the review is Google. Highly recommend Tony if you want your home buying experience to feel very personal and smooth. He was great helping my fiancé and I buying our first home; answering all of our questions and explaining everything that was happening.Google rating score: 5.0 of 5, based on 82 reviewsVerified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
Start strong with essential tools, guided onboarding, and secure portfolio tracking for steady growth
/ month
Unlock advanced analytics, priority support, and global insights designed to accelerate smarter financial decisions.
/ month
Experience tailored strategies, exclusive opportunities, and premium support ensuring sustainable success worldwide.
/ month
Reach out for a free, no-pressure conversation about your options. No obligation to move forward.




A few things buyers usually want to know before reaching out.
I guide you through every step of financing — from pre-approval to closing — and help you pick the right loan program.
Many clients get a 5-minute pre-approval through the Rate app, right from their phone.
Yes. My Bank Statement Loan program qualifies you using bank statements instead of tax returns or W2s.
VA, FHA, and USDA programs offer 0–10% down, and grant assistance may also be available.
Yes. VA loans offer 0% down and competitive rates for service members and their families.
I'm based in Colleyville, TX and work with buyers
throughout the Dallas-Fort Worth area.
My Same-Day Mortgage program can deliver an
approval in as little as one business day.
Reach out using the contact info on this page, or schedule a free discovery call below.