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    Joel Comp - Gold Financial Services

    5.0 (8 reviews)
    Closed 8:30 am - 5:00 pm

    Services - Joel Comp - Gold Financial Services

    Mortgage services

    Mortgage refinancing

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    Velocio Mortgage

    Velocio Mortgage

    (19 reviews)

    This was my first time using a builder's preferred lender after previously purchasing homes through…read morea private lender and mortgage brokers, and unfortunately the experience fell short. The biggest issue was a lack of transparency. Throughout the process, I repeatedly asked for a clear breakdown of their par rate versus the cost to buy down the rate, but never received a straightforward answer. It became apparent that their starting rates were intentionally higher, with the expectation that builder incentives would be used to buy the rate down closer to market. Despite being proactive and providing all financial documentation upfront, we were later met with concerns about our income that should have been identified much earlier. This created unnecessary stress and uncertainty during the process, especially given that nothing new had been introduced -- it simply required a review of information already provided. Communication around loan disclosures was often vague, even after multiple requests for clarification. We were also told several times that they would review and potentially match outside lender rates, only to be informed later that they do not compete at market par rates as a starting point. Overall, the experience did not reflect the level of service that would justify higher pricing. This lender may make sense if you are relying heavily on builder incentives to cover closing costs or rate buydowns. However, if you value transparency, clear communication, and competitive starting rates, I would recommend exploring outside lenders.

    Fraud fraud fraud!!!! The $ amount they give you will change by them AFTER YOU CLOSE!!! Do not go…read morewith them!!!! They sent a "new closing disclosure" two weeks after closing on a new home with the payment skyrocketing! This is fraud

    Build Texas Team- LoanPeople

    Build Texas Team- LoanPeople

    (1 review)

    I was referred to Stephanie and the team at LoanPeople and it's pretty easy to understand why…read more Fantastic experience from start to finish. Their team proactively monitored the volatility in interest rates to find the best options for our situation and their expert advice was a tremendous asset. We were needing a loan in excess of jumbo loan thresholds, and they were able to provide us with a variety of financing scenarios and products, allowing us to obtain a favorable rate without any stress or confusion. Stephanie was available at all times to discuss any question or concerns we had. In the end, we had a calm and celebratory close on our new home. Couldn't have asked for anything more.

    From the owner: Build Texas Team serves customers with great rates and on-time closings. We provide a dedicated…read moreLoan Officer from application to closing. We have decades of experience with build-on-your-lot financing. In conjunction with build-on-your-lot financing, we also finance rural, large acreage, and ag-exempt properties throughout the state of Texas! Thank you for the opportunity to serve you; we look forward to working with you now and for years to come. Serving areas including but not limited to: anywhere in the state of Texas, New Braunfels, San Antonio, Boerne, Georgetown, Waco, Waxahachie, Spring, Huntsville, Katy, San Marcos, Weatherford, McKinney, Ft. Worth, Dallas, Angleton, Byan/College Station, Austin, Houston and beyond! Randi Davis | Senior Loan Officer | Operations Manager NMLS: 843294 LoanPeople® (NMLS: 1886352 | nmlsconsumeraccess.org). All rights reserved. Financing by LoanPeople, LLC. LoanPeople.com. HQ: 3420 Exec. Center Dr. #300, Austin, TX 78731. Equal Housing Lender. All apps. must be submitted in writing. Not all applicants will qualify. All loans subject to borrower & prop. quals. At publication, info is current, but w/out notice conds. subject to change, incl. but not limited to: rates, fees, & terms. Georgia Mortgage Lender Licensee: 1886352. Bus. entities other than LoanPeople on this material are not affiliated. Contact, lic., consumer complaints: LoanPeople.com/CCRFN.

    Joel Comp - Gold Financial Services - mortgagebrokers - Updated May 2026

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