James Moye Nmls#2389975

James Moye Nmls#2389975 GFS Home Loans is a Mortgage Lender providing quality loans with experience and expertise. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

Established in the heart of San Antonio, Texas, in 2023, GFS Home Loans has been a beacon of excellence in mortgage banking. Our commitment begins at prequalification and extends beyond the closing of your home purchase. As a team of seasoned professionals, we are devoted to ensuring your home-buying experience is both seamless and rewarding. As an equal housing lender, we take pride in serving our vibrant community with a diverse portfolio of residential mortgage options, including:

VA Loans
FHA Loans
Conventional Loans for primary, secondary, and investment properties
Nonconforming – Jumbo Loans
Refinancing Options – Rate & Term, Cash-Out, and VA IRRRL
Innovative “Out of the Box” portfolio products

At GFS Home Loans, we specialize in finding the perfect loan match for every client, tailored to meet their individual needs. We manage your mortgage process entirely in-house, with our dedicated GFS employees who are deeply rooted in the communities we serve. For us, you are more than just a loan number, and service is more than a word in our name. Our commitment is to exceptional, personalized service from the first step in your home search to the moment you hold your new home's keys. TEXAS RECOVERY FUND NOTICE: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

Every team that wins anything had a plan before the season started.Most buyers do the opposite. They start looking at ho...
09/19/2026

Every team that wins anything had a plan before the season started.

Most buyers do the opposite. They start looking at houses, fall for one, and then try to figure out the financing part backwards.

A real game plan is simple:

🔸Know your actual number before you shop, not after
🔸Know which parts you can adjust and which you can't
🔸Know what happens to your payment if something moves
🔸Know what you'd do if the house you want gets an offer before yours

None of that takes long. All of it is easier to do now than in the middle of a negotiation.

You don't need to be ready to buy. You need to be ready to know.

Visit https://www.gfshomeloans.com/loan-officer/james-moye and let's build yours.

The market just set a record almost nobody noticed.In August, sellers outnumbered buyers by 57.9%. That's the widest gap...
09/14/2026

The market just set a record almost nobody noticed.

In August, sellers outnumbered buyers by 57.9%. That's the widest gap ever recorded. Homes are sitting, asking prices are slipping, and the people who own them are getting more willing to talk.

Where things stand:

⚫Inventory is running above last year
⚫Median asking price has come down
⚫Price per square foot hit its lowest level since January
⚫The 30-year fixed climbed to 7.12%, the highest since early 2025
⚫The Fed meets Wednesday, and markets are heavily expecting a quarter-point increase

Here's the honest version: your negotiating power has never been better, and it has rarely cost more to use it. Both of those are true at once.

Which one matters more depends entirely on your numbers, not the headlines.

Visit https://www.gfshomeloans.com/loan-officer/james-moye and I'll show you what this actually means for your situation.

Some grandparents have been quietly setting money aside for years and never say anything, because they assume it would c...
09/13/2026

Some grandparents have been quietly setting money aside for years and never say anything, because they assume it would complicate the loan.

It usually doesn't.

Many loan programs allow a family member to gift money toward a down payment. It has to be documented, and it has to be a gift rather than a loan, which is what the letter confirms. That's most of the process.

The part that gets missed is timing. Gift funds work best when they're brought up early, before the money moves, not after.

If someone in your family has been waiting for permission to help, this is your reminder to have the conversation.

Happy Grandparents Day.

Visit https://www.gfshomeloans.com/loan-officer/james-moye and I'll walk you through how it works.

Most people have no idea what normal looks like from a lender, because they only do this once or twice in a lifetime.So ...
09/12/2026

Most people have no idea what normal looks like from a lender, because they only do this once or twice in a lifetime.

So they assume the silence is normal. They assume the surprise fee at the end is just how it works. They assume one option means there was only one option.

None of that is normal.

The green column is not a high bar. It is the floor. Clear fees, real answers, actual choices, and honesty about timing even when honesty costs the lender a deal.

If your last experience did not look like the left side, that was not your fault and it does not have to happen again.

Message me https://www.gfshomeloans.com/loan-officer/james-moye and I'll tell you what to ask before you commit to anyone.

Twenty-five years.Today we remember the lives lost on September 11, 2001. The people who never came home. The ones who r...
09/11/2026

Twenty-five years.

Today we remember the lives lost on September 11, 2001. The people who never came home. The ones who ran toward the danger instead of away from it. The families who have carried this every day since.

Some things don't fade with time. They shouldn't.

Never forget.

Nobody types these questions into a search bar because they are curious.They type them because they are scared the answe...
09/09/2026

Nobody types these questions into a search bar because they are curious.

They type them because they are scared the answer is no.

Here is what actually happens. Student loans get factored in, not counted against you automatically. A new job can work, and in some cases a signed offer letter is enough. Credit does not have to be perfect. Twenty percent down has not been the standard in a long time. And getting denied once is not a permanent record.

You are not disqualified. You are undiagnosed.

The only way to find out where you actually stand is to have someone look at your real numbers.

Comment ANSWERS and I'll go through your questions one at a time.

Get Pre-Qualified at https://www.gfshomeloans.com/loan-officer/james-moye

Everyone's waiting for the perfect moment. While they wait, the market quietly handed buyers something it hasn't offered...
09/08/2026

Everyone's waiting for the perfect moment. While they wait, the market quietly handed buyers something it hasn't offered in seven years: choices.

Here's where things actually stand:

Inventory is at its highest level since 2019
New listings hit a four-year high last month
The 30-year fixed climbed to 6.71%, a new high for the year
Inflation data lands Thursday and Friday, and the Fed meets next week

Softer asking prices and more homes on the market mean negotiating room. That's the part nobody's talking about.

A rate can be changed later. The house you didn't see is gone.

Comment UPDATE and we'll walk you through what this week actually means for your situation.

Get Pre-Qualified at https://www.gfshomeloans.com/loan-officer/james-moye

There are more homes on the market right now than at any point since 2019.That is the part of this market nobody was tal...
08/31/2026

There are more homes on the market right now than at any point since 2019.

That is the part of this market nobody was talking about a year ago. Active inventory has climbed to about 1.14 million homes, the median asking price has eased to roughly $420,000, and homes are still selling slightly faster than they were last year. Sellers who price realistically are finding buyers. Sellers who don't are sitting.

Affordability moved the right way too. The median mortgage payment fell in July to around $2,175, and fewer homeowners fell behind on payments.

The catch is rates. They pushed higher again at the end of last week, and that pressure is keeping a lot of would-be buyers on the sidelines — which is exactly why the buyers who are out there have room to negotiate that they didn't have two years ago.

More choices. Less competition. That combination doesn't last forever.

Friday brings the August jobs report, which tends to move rates more than almost anything else on the calendar. Expect movement.

Comment UPDATE for a weekly market recap.

Get Pre-Qualified at https://www.gfshomeloans.com/loan-officer/james-moye

Nobody talks about what actually happens when rates come down.Every buyer who has been sitting on the sidelines gets the...
08/21/2026

Nobody talks about what actually happens when rates come down.

Every buyer who has been sitting on the sidelines gets the same signal at the same time. They all come back at once. And the thing that was in short supply the whole time, houses doesn't suddenly multiply to match.

More buyers competing for the same inventory tends to move prices up. Which means the savings people were waiting for often gets handed right back at the offer table.

That's not an argument for rushing. It's an argument for being ready:

✔️ Know your comfortable payment before the market gets loud
✔️ Have your documents together, not scattered
✔️ Understand what you'd need at closing
✔️ Be Pre-Qualified so you can move on a Thursday, not a month later

Waiting isn't the mistake. Waiting unprepared is.

Comment READY and I'll walk you through where you'd stand.

Get Pre-Qualified at https://www.gfshomeloans.com/loan-officer/james-moye

The saved folder is full. The tours never happened.It's almost never because the homes were wrong. It's because there wa...
08/19/2026

The saved folder is full. The tours never happened.

It's almost never because the homes were wrong. It's because there was no number attached so every listing felt like a maybe instead of a yes or a no.

Knowing your range changes how you look at a house:

✔️ You stop touring homes that were never going to work
✔️ You recognize the right one faster
✔️ You can make an offer without a two-week scramble
✔️ You stop guessing what your payment would actually be

A saved listing is a wish. A number is a plan.

Comment SAVED and I'll walk you through what your range could look like.

Get Pre-Qualified at https://www.gfshomeloans.com/loan-officer/james-moye

Address

205 E. Highway 80, Suite 130
Forney, TX
75126

Telephone

+12145789191

Website

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