We Know What We Promise Is Unparalleled…But We Think It’s Just GOOD TEXAS BUSINESS.

Gray Buffington, President of Buffington Mortgage has proven, from decades of experience within the industry, that the more a lender stands out with unique value, knowledge, solutions, and service, the more he is remembered and discussed—for future moves, recommendations from realtors, and in stories to loved ones. Hence, Buffington Mortgage has grown by a very rare and unique business tool…

…Word-of-Mouth
And that never happens by accident.

On the final day of your closing, you should be as excited as you are at the start of the journey. And years from now, that excitement should remain. We know that can only happen with exceptional services that eliminate unnecessary stalls—or stops–along the way. We also know you have choices during the lending process. It is because of this, that we ask you to compare the following:

What If There are Questions or Disagreements With Your Closing Agent When It’s Time to Sign?
Gray Buffington is personally present at 98% of client closings to review notes, ensure accuracy, and answer questions on all paperwork. Most lenders do the paperwork but if things are confusing or inaccurate on the day of closing there is no one personally present from the mortgage company to help. That’s just not our style.

Will Your Lender Offer A Complimentary Panel of Advisors From Other Fields To Help You As Needed?
Our assistance does not stop within the mortgage industry. Sometimes a major purchase requires additional assistance that has nothing to do with your mortgage. For example, if a buyer runs into a dispute with the homeowner, or if you’d like to know more about financial assistance …Buffington Mortgage has teamed with experts to offer their services complimentary to you during the process: from a lawyer to a construction & remodel expert, to a CPA to a Financial Planner and more…should you need time to meet with any of our proven experts, we make the appointment & pay the bill. It’s just one more reason our clients remember Buffington for future needs—and one more way we help you to avoid any snags along the way.

Can Your Lender Compare Rates For You?
We are a Loan Broker, so we’re not ALONE: Buffington Mortgage has teamed with, and is trusted by, numerous banking/sources—over 25—so you can be assured we compared numerous rates at the time you are ready to lock in your loan. Some lenders only offer one banking source, which isn’t always the most competitive.

What Is the Background And Future of Your Lender?
Gray Buffington has been trusted by Texans for two decades in the business. We know Texas. And we know Texas loans, so we will always be here for you to personally answer questions every step of the way—and we solve many that others can’t.

All Situations Vary: Is The Type of Loan You Have Truly the Best Option For You?
The mortgage industry can be quite complicated, and unexpected surprises can surface along the way. Gray Buffington is called upon to train other Loan Officers across Texas, and write articles for homebuyers because, with over 20 years of industry knowledge, his experience is greater than the majority, his solutions are well-known and proven, and his knowledge of what can be done to benefit each individual is unsurpassed. It’s common to find a lender with only a few loan choices. Texas loan options may be as vast as our state, but those who are experienced in every option are not—and limited choices simply limit a lender’s ability to procure what’s most affordable for you long-term. Because of this, we can guide you through all options, including those not available through many lenders, such as loans based on credit scores rather than income, low credit score loans, and low-paperwork loans.

Will You Receive An Annual Review?
It is of no benefit to you to have a loan that works for you today but may not be the most affordable for you as your life changes along the way–& even minor life changes can effect what will be best for you tomorrow. Because of this, each year Buffington Mortgage will celebrate your “Mortgage Anniversary” with a present that is often worth thousands to families: We will review the rate of your loan, any changes that may have occurred, and compare it to current and/or new loan options. If there is a lower rate available or a better option, you will have choices. Additionally, to further assist you in your finances, we will also provide you with a yearly credit report.

What Systems Are In Place For Your Comfort After You Choose Your Lender?
At Buffington Mortgage, we “hold your hand” the whole way…our checkpoint system and personal follow-ups ensure you and your paperwork don’t get “lost” along the way. For example, not only do we send you a charted status graph of all progress through each step of the process, we can also inform your realtor. We like for you to know we are progressing as promised and we think saving families time, worry, and phone calls is just good Texas business.

If You Are There On The Day of Closing, Will Your Loan Documents Be As Well?
A recent report stated that one local agency experienced a delay in closing 55% of the time! We believe promises that can’t be kept are of little use. Because of our unique experience, and checkpoint procedures, we find solutions in what is often a snag to others…in fact, we are so well-known for our closing documents arriving AHEAD of the closing date, that we are proud to be the preferred lender for many realtors and title company employees during their personal loan transactions—and we think that says it all.

Will The Rate You Are Promised When Choosing A Lender Be What Is On Your Papers At Closing Time?
It’s a heartbreaking fact, but unfortunately many clients have found us or been referred to us AFTER another lender quoted them a rate at the start of the loan process that could not possibly be the same by closing time–so on the day of closing the buyer was forced to seek another lender and start over. We don’t provide empty promises in order to get you in the door in hopes you won’t leave at closing time. We base your rate quote on what the rates should be when you are expected to close. (If a closing is 90 days away, we study the rate expectations at THAT time to ensure no unpleasant surprises at the last minute) Also, at Buffington, we have never quoted a low rate only to fill paperwork on the day of closing with unexpected or increased fees in order to cover the rate reduction. Remember, we are so confident in all we promise that the President of our company makes plans to be at your closing from the start of the loan.

And Can Your Lender Guarantee The Lender Closing Costs?
Yes, we do. And we will put it in writing.