PBJ Mortgage

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 puttin

g 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.”

If you're divorcing and hoping to keep the home, ask before signing anything.A mortgage pre-approval is especially impor...
09/03/2026

If you're divorcing and hoping to keep the home, ask before signing anything.

A mortgage pre-approval is especially important when one household may become two. Bring your draft settlement details, expected support payments, and questions about how assets may be divided. We can help you understand what qualifying on your own could look like, and whether keeping, refinancing, or selling the home fits your financial goals.

Starting this conversation early can help you avoid rushed decisions later. Save this post, then schedule a virtual meeting with PBJ Mortgage.



09/03/2026

“Outsource Expertise. Never Outsource Authority.”

There’s no trophy waiting for you at the end of life for doing every single thing yourself. Smart leaders leverage people who spent decades mastering skills they don't have time to learn, while keeping absolute control over the ultimate decisions.
👉 Hire the best experts, but stay firmly in the driver's seat of your business and life. Save this post as a daily reminder to delegate smart.



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

09/02/2026

“You Can Be Brilliant And Still Feel Lost With Money”

You can run a successful business, be an attorney, or be exceptional at your career—and still not fully understand your investments or mortgage.
👉 Financial knowledge is its own area of expertise, not a measure of your intelligence. Save this if you’ve ever felt embarrassed by a financial question.



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

The hardest mortgage problem often starts quietly.A job change, family transition, or unexpected expense can make an aff...
09/02/2026

The hardest mortgage problem often starts quietly.

A job change, family transition, or unexpected expense can make an affordable home feel financially tight. By then, the choices you expected to have may be narrower than they were before.

At PBJ Mortgage, we help professionals, veterans, and families review the pressure points in their real estate and financial plans before they become urgent. We simplify the options, explain the details, and help you make decisions that fit your goals.

The best time to review your plan is while you still have choices.

Schedule a virtual meeting at pbjteam.com or get our free budgeting tool at fms.tips/.



How we turn mortgage overwhelm into a clear next-step plan:We start with the big picture before getting buried in the de...
09/01/2026

How we turn mortgage overwhelm into a clear next-step plan:

We start with the big picture before getting buried in the details. First, we talk through your goal, timeline, and real-life priorities. Then we map out what happens next.

Only after that do we review loan structure, documents, payment options, and the details that fit your situation. It’s a more comfortable way to make decisions because you can see the path before sorting through the paperwork.

Whether you’re a professional with a demanding schedule, a veteran considering jumbo VA financing, or navigating divorce and the future of your home, we help make the complicated simple.

Schedule a virtual meeting.



09/01/2026

“More Money Can Feel Like More Pressure”

Receiving a large amount of money after divorce or loss can sound like freedom, but suddenly every decision feels incredibly high-stakes.
👉 When money represents your safety, it makes sense to feel afraid of getting it wrong. Save this if you’re navigating a major financial transition.



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

Choosing your mortgage by rate alone?The lowest rate may not fit your timeline, cash reserves, future plans, or the type...
08/31/2026

Choosing your mortgage by rate alone?

The lowest rate may not fit your timeline, cash reserves, future plans, or the type of financing you need. A larger VA loan or a major life transition, such as divorce, can change which option makes the most sense.

At PBJ Mortgage, we explain the tradeoffs behind each loan so you can compare your options with confidence, not just receive a rate and a stack of paperwork. Our goal is to educate, empathize, and help you make a decision that supports your family and your next move.

Schedule a virtual meeting at fms.tips/ or contact us at 469-373-3107.



08/31/2026

“Not Knowing Doesn’t Make You Stupid”

Being highly capable in your career doesn’t mean you automatically understand every part of your finances.
👉 A knowledge gap is something you can solve—not something you should feel ashamed of. Save this for the next time you feel afraid to ask a question.



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

Buying a home might be the wrong move, for now.The smartest rent-vs-buy decision may be choosing neither, at least not y...
08/30/2026

Buying a home might be the wrong move, for now.

The smartest rent-vs-buy decision may be choosing neither, at least not yet. Before you commit, we help you identify your readiness gap: cash reserves, credit, career stability, and the flexibility your life requires. If waiting is the right answer, you’ll know what to improve and when to revisit the numbers. We make the complicated simple so you can choose with confidence, not pressure.

Schedule a virtual meeting: pbjteam.com



A lower mortgage payment can cost you more.That smaller monthly number may come from stretching the loan over more time....
08/29/2026

A lower mortgage payment can cost you more.

That smaller monthly number may come from stretching the loan over more time. The real question is what you save after closing costs, the new loan term, total interest, and any higher-interest debt are included. At PBJ Mortgage, we make the comparison simple and build options around your goals, whether that means lowering monthly payments, paying off higher-interest debt, or creating a clearer path forward.

Schedule a virtual meeting or visit our website: pbjteam.com.



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Austin, TX
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