Steve Bray was introduced to me by my mother, as he handled the mortgage on her family daycare facility 15 years ago. I was a first time home buyer so really kind of deer in the head lights throughout the process. Steve was really calming and frankly quite gifted at keeping messy situations like home buying as painless and stress-free as possible. He was responsive, kind hearted, and friendly during the entire process. Even the downs of the rollercoaster. I closed on Thursday and he even surprised me at my closing with cheesecake cupcakes, homemade! Trust is my #1 value and I did of course shop around for lenders, but none of them made me feel as comfortable as Steve did from the get-go. He will have my business for life. read more

This was not my first time to work with Steve Bray. In fact, he has serviced other members of my family, and friends that I have recommended. Steve Bray has a very relaxed and comfortable personality, and it is easily transferred to his clients throughout the process. Steve has an excellent knowledge of the market, and is committed to getting each of his clients the very best rate available. Throughout the process, Steve will be in touch with you every step of the way, keeping you up to the minute informed about your transaction. I would recommend working with Steve Bray for your closings. read more

Steve and his team did an extraordinary job for us when it came time to do a re-finance/remodel loan. It really gave us a peace of mind knowing that they were handling everything for us. We first went out on our own trying to find what we could in regards to re-financing; we should have spoke to Steve first. A lot of time and energy could have been saved if we would have just called him to begin with. Very knowledgeable and response time to all of our questions couldn't have been better. Thank you Lone Star Lending! ~Catherine and Ken read more

If you want a *completely* hassle free refinance experience, G. Steven Bray at Texas Lone Star Lending is where you need to go. We could not get anyone at the credit union to talk to us on the phone. I contacted Steve mid June and we closed in July. Steve guided us through every step, watched the rates/fees daily and communicated to us what we needed to know. We got a great rate with minimal fees. The whole process went quicker than I thought possible. I highly recommend Texas Lone Star Lending for your home financing needs. read more

I am using the Bray family for Real Estate Home (re-)financing for the last 24 years. Every single time they do the mission impossible great jobs and just make things happen. Now that they are an independent broker it is even better. I can 100% recommend them without hesitation. This is my 5th adventure with them and I cannot even tell you how easy it is to deal with them and what they make happen in the background. Not to say that they always watch out for you to get you the best deal possible. read more

I had the pleasure of working with G. Steven Bray at Texas Lone Star Lending to refinance my home. Steve is very knowledgably and was responsive throughout the process. He monitored the mortgage rates daily until they hit my target, secured my rate and closed my loan quickly. The approval and closing process only took three weeks. I highly recommend Steve to anyone seeking financing on a home. The quickest close I've had in financing/refinancing 11 property transactions. read more

Over many years Steve has helped us on financing homes and refinancing homes, and he is excellent! He has made this the best experience we have ever had in decades of home ownership. Steve is meticulous, expedient, respectful, and explains things very carefully. He knows this business inside and out, and can handle the loops and goofs that mortgage companies and title companies throw at you. If you choose him, you will be very pleased. read more

From beginning to the end of the transaction - steve Bray and his team were on top of their game! If my clients had a question he was right there to quickly answer and keep me in the loop. I didn't have to guess at what was going on, he let me know every step. I didn't have to worry about anything. Thank you Steve Bray for an excellent job for me and my client. read more

Steve and his team at Texas Lone Star Lending made the mortgage process so smooth and easy to understand. We knew all along the way he had our best interest at heart. We have been through the process a few times before, and have never been so impressed that we would leave a review. Highly, recommend!!! read more

This was the 2nd time we've dealt with Texas Lone Star Lending & I would have no problem going back again & again. The service we've received from Steve Bray is nothing short of exceptional! So there you have it, these folks will take care of your business & leave y'all happy!! read more

I had a great experience in working with Steven Bray, who not only walked me through the process smoothly, but also got me a great deal on my mortgage rate. Professionalism- efficiency - and customer service oriented - all these attributes made him a pleasure to deal with. read more

Steve Bray was a fantastic lender to work with as first time home buyers. He went above and beyond to answer our barrage of questions in a timely manner, thoroughly addressing all of our concerns. We would highly recommend him to anyone! read more

Steve is the best... this is the third property he's handled financing on us for. There's nothing that throws him... we wouldn't use anyone else. read more