A Smarter Way to Get a Mortgage

At PBJ Mortgage, we simplify the mortgage process through clear guidance, personalized strategy, and upfront education — so you can make smart decisions without stress or surprises.

Get Matched With the Right Loan — The First Time

We review your full financial picture to match you with the best-fit mortgage option for your goals — not a one-size-fits-all loan.

Avoid Costly Mortgage Mistakes

From choosing the wrong loan program to missing critical details, we help you avoid the mistakes that cost buyers time, money, and peace of mind.

Calm, Clear, No-Surprises Mortgages

We explain every step of the mortgage process upfront, so you know exactly what to expect — and feel confident you’re making the right decision.

The Right Mortgage, Without the Stress

We help first-time and repeat home buyers secure the right mortgage — quickly and stress-free — by handling the paperwork, pre-qualification, and details for you, so you can move forward with confidence.

Home Purchase

Buy a Home With Confidence

Whether you’re a first-time or repeat buyer, we guide you through pre-qualification, loan options, and the entire home purchase process, so you can buy with clarity, confidence, and no last-minute surprises.

Refinance to Lower Payment

Lower Your Monthly Payment

Refinancing may help lower your monthly mortgage payment, improve your loan terms, or align your mortgage with your current financial goals. We’ll walk you through your options so you can make a smart, informed decision.

Cash-Out Refinance

Access Your Home’s Equity

A cash-out refinance can help you use your home’s equity strategically — whether that’s consolidating higher-interest debt, funding renovations, or planning your next move. We help you understand the trade-offs so you can decide if it’s the right fit.

Jumbo Mortgage

Financing High-Value Homes

For higher-priced homes that exceed conventional loan limits, we help you navigate jumbo mortgage options with clear guidance, strong strategy, and a focus on long-term financial fit — not just approval.

Reverse Mortgage

Retirement-Focused Home Financing

A reverse mortgage can be a powerful planning tool for the right situation. We take the time to explain how it works, who it’s best for, and whether it truly supports your long-term financial goals.

Construction Loans

Build or Renovate With the Right Financing

Construction and renovation loans are complex by nature. We guide you through the financing structure, timelines, and requirements so your build or remodel stays aligned with your budget and vision.

Book a free 30-minute consultation to get pre-qualified, understand exactly what you can afford, and get matched with the best-fit loan — VA, FHA, USDA, conventional, jumbo, or DSCR/Non-QM. We’ll explain your options, answer your questions, and provide a personalized action plan within one business day.

Not Ready to Talk Yet? Start With the Book.

Get a free copy of Mortgage 101: The Secret Sauce to Homebuying — a clear, no-fluff guide that breaks down the mortgage process in plain language, so you can understand your options, avoid costly mistakes, and feel confident before you ever apply.

We Don’t Disappear After You Close. We stick with you.

Homeownership is a long game. We help you make smart decisions before, during, and long after your mortgage closes — so you’re always supported and never guessing.

A Real Expert You Can Call

Support When Life (and Your Home) Changes
From refinancing questions to life updates and home-related decisions, you always have a trusted expert to call — not a call center or chatbot.

Financial Review

A Clear Look at Your Bigger Financial Picture
We review your mortgage alongside your goals, cash flow, and plans, so your home continues to support your long-term financial success.

Annual Mortgage Review

Ongoing Strategy — Not Set-It-and-Forget-It
Each year, we check in on your mortgage to make sure it still fits your life, your goals, and the market — and adjust if it makes sense.

Monthly Insights That Actually Matter

Simple Insights, Delivered Monthly
Get clear, easy-to-understand updates on real estate, equity, and wealth-building — without jargon, noise, or hype.

What our customers have to say

Cool & Professional

I could tell that he was the real deal. The team at PBJ were responsive and stayed all cool and professional even when I was throwing them curve-balls and sliders.

- Gery

Such a joy!

Working with the PBJ Team is such a joy! I worked with Jacqueline when I bought my first home 5 years ago! They're a great team!

- Nicole R.

"Highly recommend!!!"

Fabulous team!! Loved working with them! They're fast, efficient, and some of the greatest human beings on the planet! I would highly recommend!!!
- Beth R.

PBJ Mortgage IS A RESIDENTIAL MORTGAGE LOAN COMPANY, 1340 POYDRAS ST, NEW ORLEANS, LA 70112
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.



Copyright 2026 PBJ Mortgage | All rights reserved