MEET OUR TEAM
We are divorce lending specialists with over 20 years of proven experience helping clients who are going through a divorce with their mortgage needs. We are experts in helping our clients navigate complex divorce situations especially when spousal buyouts and Owelty liens are involved. We are the go-to source that many attorneys come to with questions regarding how to structure the divorce decree to ensure that their clients can stay in their homes.
The process of divorce lending ideally starts early enough to offer specific information that you and your attorney can use in your negotiations. Our goal is to put the client in control by providing a structured loan plan to the attorneys to utilize during mediation. We can also offer a plan to structure a payout of equity to the party not keeping the home.
Our team of professionals understands the steps involved in a divorce… and a few of us have personal experience with divorce, as well. Going through divorce ourselves and experiencing the process firsthand. We are there to help the attorney during court when a mortgage question arises.
You are in good hands with our processors, underwriters, closers, and customer care specialists. Besides keeping you informed every step of the way, we are known for excellent, professional communication with your attorney, CPA, or other divorce team members. We will happily explain loan terms and “mortgage vocabulary” to ensure you are prepared to meet the obligations of your new loan. And if you have questions after the loan closes, just give us a call. We are always here to help! We joke that once you do a loan for us, you are stuck with us!
Jacqueline Crider
Divorce Lending Specialist
Michael Backes
Divorce Lending Specialist
Patrick Beste
Divorce Lending Specialist
WELCOME TO NEW BEGINNINGS
"Home is my sanctuary, my refuge..."
~ Michel de Montaigne, 16th-century writer
PBJ Mortgage IS A RESIDENTIAL MORTGAGE LOAN COMPANY, THE INTEREST RATE, APR, LOAN FEES IS BASED ON CREDIT SCORE, LOAN TO VALUE, LOAN AMOUNT, LOAN TYPE AND OTHER FACTORS. NOT ALL CONSUMERS WILL QUALIFY. There is no cost to submit a loan request, get matched with lenders and receive conditional loan offers or quotes. You may review the conditional loan offers or quotes and talk to the lenders at no cost. Of course, the lender you choose may require a fee to process your formal loan application, appraisal, and/or credit report, but until you agree to pay the lender any fee(s), you may shop with PBJ Mortgage, LLC. at no cost.
Figure: 7 TAC §80.200(b)
IN TEXAS – 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 N. LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
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.