PBJ Mortgage

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PBJ Mortgage People who love people, that just happen to do mortgage! D magazine best mortgage professionals. FREE Home Ready Tool: https://tinyurl.com/4smk7c6y

Michael Backes- Managing Partner NMLS # 620907

Since I was young I wanted to be a Marine. My service to my country was the greatest joy in my life and when I was medically discharged, I wanted to put that passion and honor into still serving others. After my personal mortgage process went poorly, I decided my next way to serve was become an expert at mortgage. I have spent the last 17 years putting that honor and service into my work for my customers. Jacqueline Crider- Managing Partner NMLS # 943284

My passion has always been helping people since I was a little girl. While achieving my bachelor’s degree from Texas A&M, almost 20 years ago, I started working in mortgage and continued while pursuing my law degree also from Texas A&M. Mortgage gave me an opportunity to use my unique blend of skills and education to help people with something considered the most difficult financial transaction of their life. There is no greater joy than that! Patrick Beste- Operations Manager/Sr. Loan Officer NMLS # 1082978

There’s nothing like the joy on people’s faces when they buy a home or save a bunch of money refinancing. Being a part of that process and knowing I had a hand in getting them there, is one of the most rewarding things in life. PBJ Mortgage powered by My Community Mortgage, LLC is an equal housing lender. TEXAS MORTGAGE COMPANY DISCLOSURE
NMLS ENTITY LICENSE NUMBER 2408499. MY COMMUNITY MORTGAGE, LLC COMPANY IS LICENSED UNDER THE LAWS OF THE STATE OF TEXAS AND BY STATE LAW IS SUBJECT TO REGULATORY OVERSIGHT BY THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING Figure: 7 TAC 80.200(b) “CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A 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 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.”

Stop treating every mortgage question like homework you have to solve alone.When paperwork, payment options, and next st...
10/18/2026

Stop treating every mortgage question like homework you have to solve alone.

When paperwork, payment options, and next steps start to blur together, we can help you see the choices clearly and build a path around your goals, whether you’re exploring a jumbo VA loan or deciding what happens to the home during a divorce. You don’t have to figure it all out before asking for guidance. Schedule a virtual meeting at pbjteam.com.



The balance can grow while your mortgage payment looks unchanged.High-interest debt may keep adding interest, and a divo...
10/17/2026

The balance can grow while your mortgage payment looks unchanged.

High-interest debt may keep adding interest, and a divorce or major home expense could narrow your choices. A refinance may help lower monthly payments or address higher-interest debt, but the right path depends on your timeline, goals, and loan details.

We’ll map out a clear jumbo VA refinance comparison before you make a move. Schedule a virtual meeting at pbjteam.com.



How we turn a mortgage question into a clear next step:When the options start piling up, we begin with the decision in f...
10/16/2026

How we turn a mortgage question into a clear next step:

When the options start piling up, we begin with the decision in front of you: buying with jumbo VA financing, keeping the home after divorce, or fitting a loan around a demanding career. Then we compare the options that fit your goal, so you can spend less time sorting through advice that doesn’t apply.

Schedule a virtual meeting.



10/16/2026

"You May Not Be as Trapped as You Think"

When you're overwhelmed by divorce, it can feel like you have no way forward. But sometimes, the right information and the right people can help you see options you didn't know you had.
👉 Don't assume you're out of options before asking the right questions. Save this as a reminder to seek clarity before making permanent decisions.



Have questions about buying a home or your loan options?
Book a strategic call with our team here:
https://tidycal.com/team/pbjteam

Did you divide the home price by 360 and call that your mortgage payment? That number leaves out the interest rate, and ...
10/15/2026

Did you divide the home price by 360 and call that your mortgage payment? That number leaves out the interest rate, and may leave your real budget out of the picture.

Your monthly principal and interest depend on the loan amount, rate, and term. Then there are the other costs to consider. If you’re looking at a jumbo VA loan or deciding whether to keep a home after divorce, we can walk through the numbers and explain the trade-offs in plain language.

Get our free budgeting tool: fms.tips/



10/15/2026

“TikTok Is Not Your Divorce Strategy”

Your divorce involves your finances, your home, and your future. Trying to piece together a strategy from random TikTok advice can leave you with information that doesn't fit your situation.
👉 Get advice from qualified professionals who understand your specific needs.



Have questions about buying a home or your loan options?
Book a strategic call with our team here:
https://tidycal.com/team/pbjteam

A signed divorce agreement doesn’t prove the mortgage is settled. One spouse may move out and still remain tied to the l...
10/14/2026

A signed divorce agreement doesn’t prove the mortgage is settled. One spouse may move out and still remain tied to the loan, while the spouse staying needs a clear plan for financing and ownership. Equity is only part of the picture, and sorting out the home and mortgage together can help prevent surprises later. We help couples understand their options with care and clarity. Schedule a virtual meeting.



10/14/2026

“Don’t Sign Away Your Options Before You Know Them”

Divorce can leave you feeling overwhelmed and unsure of what to do next. But making major decisions before understanding your financial options could mean missing alternatives you didn't know existed.
👉 Get informed, ask questions, and understand your options before final decisions are made.



Have questions about buying a home or your loan options?
Book a strategic call with our team here:
https://tidycal.com/team/pbjteam

10/14/2026

Keep the House or Sell It? You Have Options.”

After divorce, figuring out what happens to the family home can feel overwhelming. One option is refinancing the mortgage into one person's name, while another is selling the property and splitting the equity.
👉 Understand your options before deciding which path fits your financial situation.



Have questions about buying a home or your loan options?
Book a strategic call with our team here:
https://tidycal.com/team/pbjteam

A bigger VA loan can mean less cash due at closing, show us the numbers.We compare the same home financed with a VA jumb...
10/13/2026

A bigger VA loan can mean less cash due at closing, show us the numbers.

We compare the same home financed with a VA jumbo loan and a conventional loan, looking at cash due at closing, not just the headline loan amount. Your eligibility, entitlement, and full financial picture shape the answer, so we’ll walk through options with your goals in mind.

Schedule a virtual meeting or call 469-373-3107.



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Austin, TX
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