Equal Housing Opportunity • Guarantee Mortgage, LLC (NMLS #2010656) • NMLS #2794468
(281) 385-5511 • hunter@guaranteemc.com
TEXAS MORTGAGE SPECIALIST • NMLS #2794468

Your Trusted Mortgage Partner in College Station & Across Texas

Competitive interest rates, transparent advice, and fast pre-approvals tailored to your financial goals.

Apply Now → Explore Payment Calculators
Fast 24-48h Pre-Approvals
Zero Hidden Junk Fees
Conventional, FHA, VA & USDA
Local College Station Office
Hunter Thomas - Mortgage Loan Officer
NMLS Verified

Hunter Thomas

Mortgage Loan Officer

NMLS #2794468 • Guarantee Mortgage, LLC

Direct: (281) 385-5511 Schedule 30-Min Consultation
6744 Victoria Ave, College Station, TX 77845

$0

Upfront Pre-Approval Application Cost

24-48h

Average Pre-Approval Turnaround

100%

Transparent Rate & Fee Communication

5.0

Client Satisfaction Across Texas

INTERACTIVE FINANCIAL TOOLS

Mortgage Calculators with Real-Time Figures

Select a calculator below to estimate your monthly payments, determine how much home you can afford, or calculate your refinance savings.

Adjust Your Loan Scenario:

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$
%
30 Years Fixed
20 Years Fixed
15 Years Fixed
%
Texas Taxes, Insurance & HOA Estimates
% / yr
$
$
* PMI is auto-calculated when down payment < 20%.
Estimated Monthly Payment
$2,689 / month
Loan Amount: $315,000
  • Principal & Interest $2,043
  • Property Taxes $540
  • Homeowners Insurance $150
  • PMI (Private Mortgage Ins.) $144
  • HOA Dues $0
30-Year Amortization Schedule Overview
Total Estimated Lifetime Interest: $420,534
Apply Now ↗
Period Principal Paid Interest Paid Total Interest to Date Remaining Balance

Calculate Your Buying Power:

$
Combined income before taxes.
$
Car payments, student loans, minimum credit card payments.
$
30-Year Fixed
15-Year Fixed
%
Maximum Recommended Home Price
$425,000

Recommended safe maximum purchase price adhering to standard Fannie Mae 28/36 DTI ratio guidelines.

  • Recommended Monthly Budget $2,683/mo
  • Maximum Loan Amount $380,000
  • Down Payment Applied $45,000

Compare Current vs. Refinance Loan:

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%
%
Yrs
Yrs
$
Monthly Payment Savings
$267/mo

Estimated monthly cashflow difference between your current and refinanced loan.

  • Current Monthly (P&I) $2,298
  • New Monthly (P&I) $1,970
  • Break-Even Horizon 15 Months
  • Lifetime Interest Savings $62,400
COMPREHENSIVE FINANCING

Texas Loan Programs Tailored to Your Life

From low down payment first-time options to veteran benefits and luxury jumbo mortgages, we have you covered.

Conventional Loans

The standard benchmark for borrowers with solid credit. Flexible down payment options as low as 3% for first-time buyers with cancelable PMI once you reach 20% equity.

  • Down payments as low as 3%
  • Competitive fixed & adjustable rates
  • No upfront funding fees
Apply Now →

FHA Home Loans

Government-backed financing designed to make homeownership accessible. Great for buyers with moderate credit scores or limited savings for down payments.

  • Only 3.5% down payment required
  • Credit scores down to 580 accepted
  • Gift funds allowed for down payment
Apply Now →

VA Loans (0% Down)

A premier loan program exclusively for active duty military, veterans, and eligible surviving spouses with 100% financing and zero monthly private mortgage insurance.

  • 0% down payment required
  • No monthly PMI fees
  • Competitive, discounted rates
Apply Now →

USDA Rural Housing

100% financing for homes located in eligible rural and suburban Texas communities outside major metros. Low interest rates and affordable guarantee fees.

  • Zero down payment required
  • Lower monthly mortgage insurance
  • Covers many Brazos County outskirts
Apply Now →

Jumbo Financing

For high-value, luxury, and acreage homes exceeding standard conforming loan limits. Custom financing solutions with competitive fixed or ARM terms.

  • Loan amounts exceeding $766,550+
  • Flexible asset qualification options
  • Personalized underwriting support
Apply Now →

Refinance Solutions

Lower your monthly mortgage payment, eliminate private mortgage insurance, shorten your loan term, or tap into home equity for renovations and debt consolidation.

  • Rate & Term refinancing
  • Texas Section 50(a)(6) Cash-Out options
  • Fast streamline approvals
Explore Refinance →
TRANSPARENT ROADMAP

The 4-Step Stress-Free Mortgage Journey

From your initial rate quote to receiving your keys at the closing table, Hunter Thomas guides you every step of the way.

1

Quick Pre-Approval

Complete a simple 10-minute digital application. We review your goals, run your numbers, and provide a verified pre-approval letter for realtors and sellers.

2

House Hunting

Shop with total confidence knowing your monthly budget and rate quote. When you find the home, we deliver property-specific pre-approval letters to make your offer stand out.

3

Processing & Underwrite

We lock your interest rate, coordinate your home appraisal, and finalize documentation with our dedicated in-house underwriting team. No surprises.

4

Clear to Close!

Sign your final loan documents, fund your loan, and receive the keys to your new Texas home! We celebrate your closing with zero stress.

Hunter Thomas
ABOUT YOUR LOAN OFFICER

Meet Hunter Thomas

As a licensed Mortgage Loan Officer with Guarantee Mortgage, LLC in College Station, Texas (NMLS #2794468), I am dedicated to helping families, first-time homebuyers, and seasoned real estate investors navigate the home loan process with total clarity, competitive rates, and seamless communication from application to closing.

Lender: Guarantee Mortgage, LLC (Company NMLS #2010656)
Individual License: Hunter Thomas (NMLS #2794468)
Office Address: 6744 Victoria Ave, College Station, TX 77845
Call Hunter: (281) 385-5511 Schedule Consultation →
WHAT BORROWERS SAY

Client Experiences & Reviews

Real feedback from homeowners and families who trusted Hunter Thomas with their mortgage.

"Hunter Thomas was an absolute lifesaver during our home purchase in College Station. As first-time buyers, we had dozens of questions about Texas property taxes and rates. Hunter walked us through every calculator breakdown and got us cleared to close 5 days early!"

Marcus & Sarah T. First-Time Homebuyers • College Station, TX

"Refinancing with Hunter was the smoothest financial transaction I have ever done. He analyzed our break-even point down to the penny and saved our family nearly $300 every single month. Highly recommend Hunter and Guarantee Mortgage."

David R. Conventional Refinance Client • Bryan, TX

"Hunter answered his phone on weekends and in the evenings when our realtor needed updated pre-approval letters to submit an offer in a competitive neighborhood. His dedication is unmatched in the Brazos Valley!"

Elena K. FHA Buyer • Texas
GET IN TOUCH

Have Questions or Need a Custom Quote?

Send a message directly to Hunter Thomas. We reply promptly within standard business hours.

Your information is confidential and will never be shared or sold.
READY TO MAKE A MOVE?

Take the First Step Toward Your Texas Home Loan

Get pre-approved in as little as 24-48 hours with transparent terms and personalized mortgage guidance.

Apply Now → Call (281) 385-5511