Steven McGilbray is a VP of Mortgage Lending at Rate’s Houston, Texas branch. Rate is one of the Nation’s top 10 lenders and offers exceptional service and low rates on Conventional, FHA, VA, Jumbo, and many other home loan products.  Rate also has a down payment assistance program that makes buying a home more affordable for first time home buyers.  Steven entered the mortgage industry in early 2000 after a client, who is also a friend now, from his previous career suggested it. Because of his persistence that he gives it a try, Steven has never looked back. His love for meeting new people and helping them achieve the dream of owning a home is what he enjoys most.   Steven is a native Houstonian, enjoys spending time with my family, traveling and watching his favorite sports teams, college and pro.  Steven McGilbray is your true local home purchase expert in the Houston area.  Get started on your mortgage with Steven today!

VP of Mortgage Lending

Steven McGilbray is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Steven is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Steven at (713) 396-5738 for more information!

Steven McGilbray at Rate (NMLS #231830)

I have always been motivated to get the job done right and I am focused on the small details that matter tremendously in the long run.  These traits have helped provide my clients with the best possible service & mortgage experience and ensure that when the going gets tough I deliver results.



I grew up in Pasadena Texas and moved to the Midwest for university where I played football on a scholarship. After graduation I moved to St. Louis for a few years, then moved to Chicago where I lived for 25 years and honed my skills for excellent service while managing a joint venture between a big 3 bank and a boutique, upscale real estate firm. Working side-by-side in an office with Real Estate Agents developed my communication skills for keeping all parties updated while maintaining my client's privacy with the utmost discretion. I eventually moved back "home" to Texas in December 2018, again with a big 3 bank, but felt the entrepreneurial calling to a more progressive company that compliments my strong desire for excellent service & customer experience.



In my career I've strived to service every segment of the market possible, from ultra-luxury to move-up buyers, first-time buyers, government loans and down payment assistance programs and I am proud of my track record in each category. I'm available 7 days a week (real estate deals are often made on weekends and evenings) and am extremely diligent about solving the issues that arise over the course of a transaction. With my industry experience I provide clients with a rare level of insight into negotiations and complex problem resolution/mitigation strategies and ensure that their interests are always at the forefront of my team's efforts.

Producing Branch Manager

Lane Sears is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Lane is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Lane at (281) 990-1847 for more information!

Lane Sears at Rate (NMLS #700849)

As a mortgage professional for over 30 years Mack Blankenship offers his clients a valuable wealth of knowledge and experience so they feel confident that they're not only receiving the best service, but that they're also receiving a home loan that best fits their unique needs.


"I love being a loan officer and connecting and helping families who end up becoming friends. I've been a mortgage banker for 26 years and have closed loans for thousands of clients. Today, I close loans for the children and sometimes grandchildren for clients going back 25 years."


Blankenship has 3 children and 3 grandchildren, Laila, Ila and Mason. He has also completed **7 IronMan** triathlon events, dozens of marathons and dozens of smaller triathlons. Blankenship was a guide for a blind athlete in the **2012 Boston Marathon** and a guide for the **2015 Paralympic National Triathlon** and assisted in the training of **IronMan para-triathlete Brand Adame**.

Mack Blankenship is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Mack is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Mack at (832) 243-8549 for more information!

Mack Blankenship at Rate (NMLS #208691)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Branch Manager

Holly Whitney is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Holly is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Holly at (210) 436-8079 for more information!

Holly Whitney at Rate (NMLS #457611)

Chelsea was born and raised in the mortgage industry and is a second generation loan officer. During her time in the mortgage industry, she has been awarded ++Top Performing Loan Officer by Texas State Affordable Housing, Gold Service Loan Officer by Southeast Texas Housing, Affiliate of the Year by Women's Council of Realtors++and has consistently been a Top Producer within her company. She has a Bachelor of Science degree in Economics and minor in Business from Texas A&M University and she would love to put her education and experience to work for you!

Chelsea Dawson is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Chelsea is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Chelsea at (281) 703-7874 for more information!

Chelsea Dawson at Rate (NMLS #1083316)

Connie Tharp is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Connie is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Connie at (713) 826-0051 for more information!

Connie Tharp at Rate (NMLS #414087)

Nancy Dalton is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Nancy is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Nancy at (281) 475-2231 for more information!

Nancy Dalton at Rate (NMLS #905430)

Houston native Andrea Fowler has devoted the last 23 years to giving back to the communities in which four generations of her family have lived. Fowler works with buyers seeking mortgage loans or knowledge of the various loan programs her company offers. She's grateful to be able to serve clients regardless of their backgrounds and income levels throughout the Texas market.Through Fowler's knowledge and experience within the Community Reinvestment Act and real estate market, she has become a trusted contact between various Houston area non-profits, Agents, developers, and schools. With an eye on the future, Fowler has also begun to focus on recent college graduates by co-hosting Young Women's Preparatory College Academy's 2023 Alumnae Symposium – The Bag: Now That You've Got it, What Do You Do with It? Other previous projects include her consulting with Agape Development's Affordable Homes Program for first-time homebuyers and her work with the NAACP via their Homes for Houston events. In keeping with her diverse approach to the real estate industry and a deep belief in paying it forward, Fowler is an active community member, both inside and outside the office. She is a proud volunteer with the NAACP Housing Committee and a Certified Applied Neuroscience Coach.

Andrea Fowler is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Andrea is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Andrea at (281) 235-4710 for more information!

Andrea Fowler at Rate (NMLS #208185)

With over twenty years of experience, Cary has been involved in the real estate and mortgage industries his entire professional career. Previously he owned his own mortgage banking and real estate company. Because of his real estate experience, Cary knows the importance of communicating with all parties – his client, their agent and the seller's agent throughout the sale of the home.


This knowledge helps him navigate the mortgage process smoothly and efficiently. Cary's goal is to be an advisor and consultant to his clients before, during, and after the mortgage transaction. His approach is to listen carefully to his clients' needs and objectives, while providing the best solution to meet them.


His mortgage ethos is to treat every client – Professionally, Respectfully, Fairly and Honestly. A Native Houstonian and Fifth Generation Texan, Cary graduated from Memorial High School, a nationally recognized exemplary school. He has a BA from The University of Texas at Austin. After graduation, he continued his education and completed the post-graduate curriculum to become a licensed real estate broker and mortgage banker.


Outside of work Cary enjoys playing tennis, working out, and traveling. He also has practiced various martial arts for over 30 years earning multiple black-belts. His two favorite arts are Krav-Maga and Jui-Jitsu. To relax, he enjoys spending time with his father at Horseshoe Bay in the Texas Hill Country.

Cary Cox is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Cary is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Cary at (281) 602-4057 for more information!

Cary Cox at Rate (NMLS #336786)

Chris is a 24-year mortgage veteran with a passion for education and creating raving fans. Chris is from Monterrey, Mexico having lived in Monterrey for over 20+ years. He is an avid sports enthusiast and enjoys spending the weekends with his two amazing kids and wife, one who is attending the University of Arizona and the other a starting WR/DB for Tompkins HS! Chris' career began in the IT and business development area having worked in sales and distribution for companies like Alliance Data Corp, Hewlett Packard, Computer Associates and MYDSA. The definition of integrity is a cornerstone of Chris' life "Do the right thing every time, even when no one is looking". Chris is also the co-founder and co-host of the Real Estate Rat Pack Show, a radio/podcast focused on real estate education. The Rat Pack has been on air for over 12+ years.

Producing Regional Manager

GERENTE_DE_SUCURSAL_PRODUCTOR

Chris Kelso is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Chris is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Chris at (713) 904-6416 for more information!

Chris Kelso at Rate (NMLS #158229)

10 + years helping families achieve their dream of homeownership by providing tailored mortgage solutions across all loan types. Local. Experienced. Trusted. Let me help you!

Sue Nettles is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Sue is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Sue at (281) 602-4059 for more information!

Sue Nettles at Rate (NMLS #1380933)

Producing Partnership Branch Manager

Nico Bell is your Houston local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Nico is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Nico at (281) 503-4252 for more information!

Nico Bell at Rate (NMLS #1502111)

Houston

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12 Loan Officers in Houston, TX