Find the Right Home


Discover your perfect home with our dedicated team ready to assist you every step of the way.

A Simple Loan Process


Enjoy a streamlined, hassle-free loan process designed to make your home buying journey smooth and straightforward.

Seamless In-House Closing


Experience a fast and efficient closing process with everything handled in-house, all under one roof.

For over two decades...

 For over two decades, GFS Home Loans has been dedicated to making homeownership dreams come true. Established by Mike Goldman, our company stands on a foundation of trust and expertise. Our team, like a close-knit family, delivers personalized service with honesty and integrity. Combining a rich legacy with a modern touch, we ensure a smooth and enjoyable home buying experience. Join us as we help turn your dreams into reality.  

What Our Clients Say About Us!


Excellent Service. If you want to buy a house I Recommend GFS Home Loans 100%. They are very professional and make the process easy and successful.
Kash was amazing. He helped thoroughly explain everything. And even after the sale, he has still been a great help and resource in navigating through home ownership. He has been a blessing and we're so glad to have gotten to know him.
Sarah made this process very easy! She explained everything each step of the way and kept us on task. With busy schedules, her organization and concise, transparent explanations made this such a positive experience. Sarah really goes above and beyond to meet her clients where they are and truly take the burden off their shoulders!
Great to work with and was always available!
Great service fast response
Excellent service
Jose is the best!
Amazing Loan Officer, looking for your next home loan? Give Jose a call!
Great awesome team couldn't of asked for a different experience very recommend
Would highly recommend getting a home loan! They were amazing with communication through entire transaction!
Amazing service. I would recommend him to everyone.
Jose has super amazing with assisting my clients!
Fantastic people. I couldn't be happier working with them!
Great service
Awesome to work with!
Ms. Lisa Olgin was very helpful during the entire mortgage process. Her willingness to assist my husband and I with any questions when we were purchasing our new home was wonderful. I would recommend anyone looking to purchase a home to reach out to Ms. Olgin.
Liza was very professional, and explained everything thoroughly. She helped me purchase my very first home! Highly recommend Liza for help!
Highly recommend Lisa she helped us so much on our first home and making this dream come true. I can't express how much I'm thankful with her.
This is our 2nd time using Thu in the purchase of our new home, she did so well the first go around that when we decided to start looking and found the house we wanted, We knew right where togo for the best experience. As stressful as buying new homes are, Thu does a wonderful job and makes it as easy and stress free as possible. We love our new home but if we decide to buy later on we will look no further!!
Lisa has been an amazing person to work with. She did everything possible to get me the best interest rate and make me a home owner again. Her guidance, follow ups, check in's, available all hours, and knowledge made this process a great experience. Lisa is definitely one of a kind and did everything possible to make this happen! Forever grateful!!
Where do I start... we had been struggling for quite some years now for one reason or another & some companies were just not there to take their time & help out. I highly recommend Lisa Olgin & her team for first time buyers or anyone looking for their dream home. She went above & beyond to help us out & kept encouraging to not give up; as first time buyers we had no idea where to start. She guided us along the entire process & prepared us to purchase our first home. Super thankful for people like her that take time & actually love their job, great vibes. I can't explain how thankful we are with y'all Lisa & team!
Estamos muy contentos con tu servicio, gracias por tu paciencia y siempre manternos al tanto de el proceso Gracias ☺️
Just Amazing!! Everything went so smooth on the buying our new house! Great team effort and communication! Also made sure to get it done before Christmas. Things corrected on spot, and stuff got done/emailed almost immediately. We greatly appreciate y'all so much!! Thank you so very much!
Thu Phi helped with my case through every step, she was so helpful and made everything quick and easy!
Great Co,Great people,honest and patience going over all rocks & shoals! Henry J Dozier USMC.-SEMPER FI
10/10 experience with Mr. Frank Ruiz. He was really helpful and guided me throughout the process. Would highly recommend his services!
very reliable. Quick to answer any questions and does around the clock, not just 8-5!
Mónica was very helpful and always took the time to explain everything to us and made sure we understood the process. We are very thankful for choosing her to help us through this process
Thankful that we found Mrs. Monica and her husband. They helped us and guide us through the process, and now we can happily say we're home owners. Thank you for all your patience for all your hard work and dedication. I'll forever be thankful. & I'll recommend you to everyone who's goal is to become a home owner ✨
Jose was incredibly helpful and always available when we needed him
We got our first home through Payton and it was the easiest best, smooth experience I could have possibly hoped for!
In each step !! start to finish, I felt supported through this process. I was able to do MOST of the contracts digitally which means a lot to me as I work full time and have kids. The check-ins from Hamza Ismail and his team made me feel like no question was too small for them to help with. Great experience highly recommended!
My husband and I are/were very fortunate and grateful to have Brenda guide us on this important blessed journey ! She was patient, caring, honest, and answered satisfactory all our questions and doubts no matter day or time. Thank you Brenda for all your support and professionalism! You always went above and beyond !
Thu and her team did an outstanding job facilitating my new home purchase. They are professional to work with and create a comfortable environment.
We worked with Thu Phi from GFS Home loans for financing mortgage for our new home and we had a great experience with them. Thu and team were extremely helpful and patient and always answered our questions no matter the time and helped us to purchase our home without delays or stress. We highly recommend Thu Phi to anyone looking for a dedicated and reliable mortgage professional. They truly care about their clients.
My husband and I are first time homebuyers and we could not have had better service than Mr. Ismail . It was a long process of course, but Mr. Ismail was literally there with us every single step of the way, and was so helpful with answering all of our questions, listened to our comments, and truly made this process run as smoothly as possible! His team was absolutely incredible to work with and we will recommend him to everyone! We will 100% never use anyone else, from the bottom of our hearts THANK YOU ALL for making this first time home buying process an enjoyable experience! We are forever grateful
From the moment I reached out to the time we closed, Ismail was there to make sure things were in order. It has been a very consistent experience through multiple steps . When you find a person who is this intuitive to your needs and walks you through processes and makes decisions clear and easy in something as complex as house purchase transactions, you should stick with them. Best Mortgage Loan Officer in DFW Area!

Smooth and easy. John is the man!!!

John and the team are amazing. The process was smooth and successful! Highly recommend!

John kept us informed along the way, and helped us get the best rate with low closing costs. He did a great job!

Working with John and his team has been an amazing experience. He offered me the most competitive interest rate and ensured that the process was seamless.

John was awesome. He made us the center of the experience and explained each party of the process with great detail. I’d definitely recommend him to my friends and family and use him for all my future home purchases.

John was very prompt, clear, and professional. So easy to work with as first time homebuyers!

John, made the process simple and seamless. From start to finish the team was attentive and were available for all questions that we had. We felt very comfortable with our decision with Gold.

John and his team were wonderful to work with. We will definitely use him again for any future needs.

My family would 100% recommend John and his team. The process was easy and all of our questions were answered quickly!! We will 100% be using this team again!

Hello, Working with Mrs. Marlen Gomez was such an amazing experience, she made the whole process a lot easier for me and my family. Whenever things were getting complicated she always had a backup option to provide you. The process was faster than what we had expected. She is a really trustable and professional person, I feel glad to have found her to help me to process my loan.

I'm incredibly grateful for the exceptional support from New American Funding, particularly Michael, who has been an absolute rockstar since day one. His guidance and assistance throughout the process have been invaluable. I'm at a loss for words to express my deepest gratitude to New America Funding, Michael, Kelli, and Tracy. If there are any websites where I can leave reviews, please let me know, and I'll be more than happy to share my outstanding experience and appreciation for your hard work and dedication. Thank you again, New America Funding team, for your remarkable help and support. My family and I truly appreciate it

Given that the previous lender we worked with had no transparency or communication, this was a night and day difference. The communication and transparency from the beginning of the process was there and amazing. I never had to wonder where we were in the process or if there was something I needed to do that wasn't done.

They assist us in procuring our new residence. We greatly appreciate their dedication and effort in accommodating us.

Super easy, transparent, fast and reliable. Thanks to their hard work I can call myself a home owner.

I’ve worked with Tracy for over a year now. He is extremely knowledgable and great with my clients. He tells my clients the hard truth, which is refreshing compared to the other lenders out there who try to sugar coat things. It’s nice to have a lender you can depend on and hit his deadlines. I would highly recommend Tracy for your lender needs.

Tracy and his team are amazing! The process of buying a home couldn’t have been any smoother than they made it. I would recommend NAF to anyone looking to purchase a home.

Smooth process, with timely and informative communication.

All information was easily accessible.

I got approved!

Delivery of what was promised and frequent communications. But one OFI was the transfer of documents between lender and title company. This requires better handling as it lend to lots of uncertainty with many false starts.

Everyone involved in the process made sure no matter how new I am to the process that I was properly informed and educated along with helping me reach my end goals! We found success!

They all helped me on time.specially Michael!!

It was a challenge but they got the job done!

He is very knowledgeable with the work he does! He walked my husband and I through the whole process of our first home buying experience, and was available whenever we needed any kind of help with paperwork or financial issues! I will be recommending him to all my friends and family if they need home loans!

Good communication!

Tracy was knowledgeable and quick. He was reassuring when I was anxious about any loan steps. A very supportive customer-centric experience which is becoming so rare these days

Communication and execution was amazing!

NAF made our home buying process and transition to Texas as entrepreneurs, seamless and quick. Thank you to the whole team!

Things went fantastic. I have no regrets.

Easy process and great customer service.

We got it funded on Friday after some hiccups on the buyers end.

Michael Ryon and Kelli are wonderful on helping me on step by step on the funding of my new home. Thank you.

Exceptional performance from the team, they were able to get me close on my home on time. The process was simple and I was getting daily updates on the progress. You guys made home ownership easy and simple. Thank you Gage Campbell for your patience, very knowledgeable and good customer service, always available to answer all questions. Thank you all.

Overall amazing team, lots of great communication and made the whole loan process painless for both sides! Thank you so much for helping my wife and I achieve our dreams! :)

Your team is extremely knowledgeable and helpful. As a first time home buyer there was a lot of things I was not aware of and your team explained everything.

Thank you guys for all of your help and support throughout this process!

Thank you for making our housing purchase possible!

Best service ever. Trust them!!! Servicio rápido, Confiable, claro y sobre todo te mantienen informado desde el día 1

Michael did his best and we appreciate his work!

Tracy is the best! He is very thorough. He helped me and my husband secure a loan for our first home. There were many obstacles but Tracy is experienced and handled everything calmly and professionally. He was very clear and confident on what we needed to do to buy our home. I definitely recommend!

As always Tracy Matthews and his team did an outstanding job helping yet another client get to the finish line and close on their new home. They made my job extremely easy by handling the entire process and keeping me in the loop on the progress. Special shout out to Gage for an incredible job!

Easy and stress free!

He is very knowledgeable with the work he does! He walked my husband and I through the whole process of our first home buying experience, and was available whenever we needed any kind of help with paperwork or financial issues! I will be recommending him to all my friends and family if they need home loans!

Great communication- got the deal done

Communication and the whole process was smooth and fantastic. Be blessed

Everything! The whole experience! Thank you all! Great job!!!

Easy access and really easy through the underwriting process.

As a first time homebuyer and only being 24 years of age, Frank gave me excellent guidance and advice when it came to every stage of a home purchase. Frank and his team went above and beyond to make things happened and I am beyond grateful for them
Want to say a BIG THANK YOU to Brenda and Team They Rock Highly Recommend
Thu, your kind words mean the world to us. We are incredibly grateful for everything you've done to help us achieve this dream. When others made us feel like it wasn't possible, and we even began to lose hope, you stepped in and changed everything. Having you on our side has been an absolute blessing. Your dedication and care truly shine through. Thank you for believing in us and making this possible.
I don't think I could have the words to express enough gratitude that my family and I have for Brenda. She did an amazing job for the timeframe that we had. She did everything in her power to make things work. going above and beyond doesn't even explain the extent that she went out for us. Her support on every level is what got us through the process.. I truly do recommend if anyone is looking for someone to make this process as smooth as possible and as quickly as possible definitely work with Brenda and her team I don't know what I would've done without them during this process. Brenda was readily available for us no matter what day or time she made it a point to answer all our calls and text To give us the peace of mind we needed. I truly appreciate Brenda and the whole team for everything they did to help us achieve. Argo of becoming homeowners again.
Thank you Mayra for all your help after having such a bad experience with other people you gave us back that hope and made it come true!
Very helpful in every detail loved everything in this process with her she made it super easy! ❤️ super recommended!
Gracias, Marlene Gómez POR AYUDARME EN MI COMPRA DE MI CASA!!!
I cannot recommend Thu Phi highly enough. She consistently goes above and beyond to take care of my clients-both buyers and sellers-whether they're looking to refinance or need guidance on their mortgage options. Her dedication is unmatched; in one case, she even obtained a license in another state solely to assist a client in accessing the equity from their home. Thu Phi brings not only expertise but also a deep commitment to helping clients reach their financial goals. Working with her gives me the confidence that my clients are always in the best hands.
Scarlett is the one that put the awe in awesome. I have never had anyone work as hard for us as she did. We had some issues and kinda ran her through the ringer, but she was always there for us with her amazing skill and hard work. She is the sweetest lady I have never met. Theres not many you can call or email at night or on the weekend but she was there. She made our retirement dream of a small house in the country possible. God bless you Scarlett and dont ever change. Eddie & Vonnia
Extremely Helpful thru the whole process
He's been the best realtor i've met so far. 10/10 services.
I have had the pleasure of working with Thu Phi for the past two years, and I have been consistently impressed with her professionalism, prompt responses, and outstanding service. I highly recommend her if you're seeking financial opportunities for real estate purchases.
We had so many questions with buying our first investment property and Frank made himself available for everyone, literally at anytime of day. He was wonderful with helping to guide us in the best direction for our specific needs. He and his team made this process for us so smooth and fast. We greatly appreciate all his had work and knowledge and we highly recommend him for your home and investment purchases. Thank you Frank!

Leanna was very professional, helpful and just an all-around awesome Loan Originator. Thank you so much! We really appreciate it!!!

Cherish is great and constantly communicated with us regarding our questions, highly recommend her and her team!!
I am beyond grateful to Brigitte for her help with my mortgage loan process for my first home! From start to finish, Brigitte was amazing-her thoroughness and attention to detail made all the difference. She walked me through every step, answering my questions with patience and expertise, which helped ease any anxieties I had as a first-time homebuyer. Brigitte's guidance and dedication truly made the process smoother, and I couldn't be more appreciative of her support. If you're looking for someone who genuinely cares and will go the extra mile, I highly recommend Brigitte!
Sam made the process really easy, and reassure me I was making the right decision every step of the way as buying a home can be overwhelming and stressful at times especially as a 1st time home buyer. 10/10 recommend consulting with him!!!
Thank you Brenda for helping us through all this process! It was rough but thanks to you we made it.
Brad pulled it off! From his excellent customer service to his timely responses to phone calls, emails and text messages. Brad was able to get my family and I into our home! Brad had his work cut out with a very difficult credit profile and DTI ratio. He was upfront, honest and a strait shooter. He gave direction on how to improve credit along with how to make adjustments and corrections so that we would be where we needed to be to get our approval. 10 of 10 recommend to anyone looking for a Mortgage Broker! You dream it Brad will find a way to make it happen! Excellent work and job well done! For the amount of work he has put in to make our home happen for us Brad has more than earned a promotion and a raise in my book.
We had an exceptional experience working with Monica during our first home buying journey. As newcomers to the process, we had many questions and uncertainties, but she was incredibly patient and supportive every step of the way. She took the time to explain everything in detail, ensuring we felt confident in our decisions. Her expertise and dedication made what could have been a stressful experience smooth and manageable. We truly appreciate her hard work and highly recommend Monica to anyone.
Very efficient.
Thu Phi is the best in the business. The value that she brings to the city of Houston is unmeasured. If you are looking for the best in home loans, look no further than Thu.
Very easy to work with awesome company. I really appreciate it.
Great person goes above and beyond for his customers 100% recommend made the process very easy and smooth thank you KASH very blessed to have had you on my team in this process
Frank Ruiz at GFS Loans provides a highly professional and personalized experience for home loan services. He stands out for his clear communication, ensuring that clients understand every step of the loan process. His attention to detail and dedication to finding the best loan options is impressive. Clients appreciate his responsiveness and ability to navigate complex situations, making what can be a stressful process feel smooth and manageable. Whether you're a first-time homebuyer or refinancing, Frank offers a trustworthy, efficient, and tailored service that makes him a top choice for home loans.
She gets the loan done quick!
Thu was great. She was very knowledgeable in her field. She knows exactly what was needed to make the process of getting a loan flow smoothly and was very professional and understanding. I would definitely use her service again.
To tell you that I have worked with Thu longer than I have known my husband is the truth. Thu has taken care of my purchases over the past 20 years, and I always recommend her to family and friends. If you are looking to refinance or purchase- you should call Thu Phi
I have no words to explain how grateful I am and blessed to have Thu as our lender. She was always answering her phone day, night, on weekends! She always answered all of our questions and helped us every step of the way. Thu thank you so much God bless you! You have been a blessing in our lives and thank you so so much for making our dream come true to buy our house! I recommend Thu 1,0000000000,000000000000000!!!!! She is the best and also Henry!!!!!
La verdad que la atención de Dani fue muy buena al igual ella está atenta a ti loan en todo momento gracias mil a Dani y al equipo de Goldpen
Sharon was fantastic. Very knowledgeable and kept us informed throughout the process.
Frank, was amazing at helping us through our journey! He gave us guidance to get us where we needed to be & most definitely hope. Our experience with him & Natalie was smooth & quick. I couldn't thank you enough! If you're looking for a Lender I'd definitely recommend Frank! Thank you again!! One Happy Homeowner
Thu was amazing!!! Process was super easy with her
I don't know where to even begin, Thu and her team were so helpful from start to finish. She made buying a home easier than buying a car. Her knowledge of different programs and calm demeanor really made the process so seamless. I couldn't have wished for a better experience. Our family is eternally grateful.

Leanna and her team was ABSOLUTELY AMAZING thru this whole process. I am now writing this in my new house in Texas.. They all did a fantastic job throughout this process which was so hard as we were moving from a different state .....

Thank You all again!! You and your team are THE BEST!! Sincerely, Christine

Brad was very attentive and flexible. He was always happy to be there to answer any questions and made me feel like a priority. He was very knowledgeable and personable, he did everything in his power to make sure my wants and needs were taken care of. I'd absolutely work with him again.
Hilary is the absolute best! She was available whenever I had a question and always answered it promptly. She did what was in her power to qualify me for the home my family and I needed. I cant thank her enough. This is my second time worker with her and she will be my go to for future endeavors as-well. 10/10!
Best service 100% guaranteed and very professional
Was an amazing experience everyone was willing to work with me to make me be able to get my dream home
Great working with Brad, he made everything a breeze! He came highly recommended and and did not disappoint!
There is no better person I could recommend to represent you when purchasing a house than Thu Phi. I have used her in multiple house purchases and she is the best when it comes to every detail in the process and the ability to explain it clearly and help you understand your journey from start to finish when purchasing a home. She actually cares about her customers and takes into consideration every possible factor that you as a buyer may have. She makes sure that everything goes smoothly that she handles the majority of things before they become an issue and meets every deadline while making sure you have every question answered. I have recommended her to friends and family and all of them have used her and I can tell you that every one of them would use her again.
Thu Phi is an absolute superstar! From the very beginning, working with Thu was a seamless and stress-free experience. She and her team are not only incredibly efficient, but also genuinely friendly and helpful every step of the way. Thu's ability to move quickly without missing a beat made the entire mortgage process so smooth, and her attention to detail gave me full confidence that everything was in the best hands. What truly sets Thu apart is her dedication to making the process easy for her clients. Whether it was answering my questions promptly, explaining everything in a way that made sense, or just offering her support, she went above and beyond at every turn. Thu's professionalism and warmth made a potentially overwhelming experience feel effortless. If you're looking for a loan officer who is not only quick and competent but also caring and approachable, Thu Phi is the person you want by your side. Highly recommend her and her amazing team!
Frank was amazing in helping us get the best loan possible for our home!
If I could rate Frank and his team for his services I would give him a 10/10. Frank was exceptional with his work, constantly kept us updated with the process and exceeded all expectations. Thank you Frank!
Working with Thu Phi through the home buying journey gave me a lot of confidence. As a first time home buyer, navigating the landscape was new and often times intimidating due to the lack of experience I've had. Thu Phi took the time to explain to me the process and ensure all my questions were answered. I can't recommend her enough for anyone whether it is your first property or your 10th, she has got you covered. Not only does she make you feel welcomed but she takes the time to understand you and your goals. She truly cares about her clients from the first interaction all the way through to the finish line. Thank you Thu Phi for all the wonderful support through the home buying process and being a part of my journey to my first home!
Thu has been my preferred lender now for over 7 years. She has assisted my clients with knowledge of multiple loan programs that best fits their needs. Often times, getting them a better program/rate than competitors.
5 stars, Es eficiente y muy responsable
I recently refinanced my home with Thu Phi and it was a total breeze. She's super knowledgeable and explained everything in a way that even I could understand. She was always there to answer my questions and worked hard to get me the best deal possible. I'm so happy with how everything turned out. If you're looking for a mortgage professional who knows their stuff and is easy to work with, Thu Phi is your person!
Thu and her team made everything possible for me to close my very 1st house. She's always there to answer any questions that I had. She always checked on me to make sure I had everything I needed. That was my 1st home so I were so worry, but she helped me every steps of the ways.
I've worked with Thu Phi multiple times, and each experience has been outstanding. She made the entire process easy and stress-free, always keeping me informed of the status every step of the way. Her professionalism and attention to detail truly set her apart. I highly recommend Thu Phi with GFS Home Loans for anyone looking for a seamless and hassle-free experience!
I had such a great experience working with Thu Phi! She's very thorough and efficient. I highly recommend her.
Thuphi did an outstanding and professional job!
Profesionalidad , eficiencia, y carisma , siempre atenta a cualquier duda e inquietud. Agradecida y complacida con su trabajo!!!
Dany es una profesional en la industria de Mortgage. Brindo a mi clienta un excelente servicio y logro cerrar su prestamo en tiempo record. La recomiendo 100%
Great service.Explained every step of the process and answered all my questions.
Makada, is on the "BEST" list! She is truly REFERABLE!! She has been NUMBER 1! We Love you MAKADA MARTIN!!!!!
Monica guided us through the entire process on step by step instructions on what to complete to prepare for closing. She personally made sure that getting the things we need was organized and convenient from the both of us and was very happy and not hesitant to answer any questions we had. We will share our experience with others to make sure that they are well aware of the talent that Monica posses.
Outstanding service and commitment to us during the loan process.
Estoy bien agradecido con la seńorita Vanesa, por todo lo que me ayudado, en el momento en que yo andaba buscando casa, es muy amable y profesional, yo la recomiendo altamente!!..
The loan process was great! Our lender was fantastic and she helped us find everything we needed the to get approved. Definitely will recommend to our friends and family
Chris Boyd is the most knowledgeable and trustworthy lender. We felt guided, well informed and happy the entire way. We felt like we could go to him with any questions. If there were more stars to give him we would!
I worked with Thu and Henry from June to August. They were amazing, always kept me informed on what was going on and guided me on the right things to do as a new homebuyer. I am so grateful to them and will recommend them to everyone.
Excellent service! Patient and kind people!! Things got done really fast!!
Thu and Henry were great to work with! Purchasing a house is confusing and stressful. We were lucky to work with knowledgeable and fun people that explained every step of the process so we never felt lost along the way. We highly recommend them to anyone looking to buy a house!
Nancy was amazing! We had multiple issues arise and she handle them all in a timely fashion and kept us stress free. All in all, our home buying experience was enjoyable thanks to her professionalism and expertise
Thu was an absolute joy to work with during our home buying process! She was recommended to us, and we are so happy to have had someone as competent and thorough as Thu and her team! They worked diligently to make sure all bases were covered so that we would be able to close in time, handling things we weren't even aware of! As first time buyers, we couldn't have asked for a better person to support us. We are grateful for Thu and would recommend her to ANYONE going through this process!! We truly thank you, Thu!!!

Find the Right Mortgage Option for You!

Tell us what your goal is

What to Save for When Buying Your Home
What to Save for When Buying Your Home

How to decide if you have enough savings to buy a home

Expert Predictions for the 2025 Housing Market
Expert Predictions for the 2025 Housing Market

Find out what the experts are anticipating for 2025 housing

How to Buy a Home with Low Income: Yes, It’s Possible!
How to Buy a Home with Low Income: Yes, It’s Possible!

Learn how to buy a home with low income using practical tips, loan programs, and expert advice. Discover affordable options and assistance programs to make homeownership possible!