Meet the PBJ Team!

People who love people who happen to do mortgage!

Jacqueline "Jax" Crider

Managing Partner

NMLS # 943284

Meet Jax – Your Mortgage Guide with Heart and Hustle

Helping people has always been in my DNA. I started my journey in mortgage nearly 20 years ago while earning my bachelor’s degree at Texas A&M—and I never looked back. Even as I pursued my law degree (yep, also from Texas A&M!), I kept coming back to mortgages because I saw how life-changing the right guidance could be.

For most people, buying a home is the biggest financial move they’ll ever make—and let’s be honest, it can feel intimidating. That’s where I come in. I use my unique mix of legal, financial, and real-life know-how to simplify the process, answer the tough questions, and make home financing feel doable.

To me, there’s nothing better than helping someone go from overwhelmed to confident—and handing over those keys. It’s more than a job. It’s a joy.


Patrick Beste

Operations Manager/Sr. Loan Officer

NMLS# 1082978

Meet Patrick – Your Mortgage Bestie (yes, pun intended)

Patrick Beste has over 20 years of experience helping homebuyers across Frisco and the DFW Metroplex navigate the mortgage process with clarity and confidence. As a Certified Veterans Mortgage Advisor (CVMA), he specializes in helping Veterans maximize their VA benefits while also assisting buyers with FHA, Conventional, and Non-QM financing.

Known for simplifying complex mortgage scenarios, Patrick helps clients avoid surprises by structuring loans correctly from the start and anticipating underwriting questions before they arise. Clients appreciate his clear explanations and approachable style, which is why some jokingly refer to him as their “Mortgage Bestie.” 

His goal is simple: make sure every client walks away from closing feeling informed, confident, and certain they made the right financial decision.

Peanut Butter and Jelly

The Mascots

Meet Peanut Butter & Jelly – The PBJ Mortgage Mascots
Office Security (PB) • Snack Inspector (Jelly) • Blanket Connoisseurs

Peanut Butter and Jelly are the dynamic dachshund duo behind the name—and the vibes—at PBJ Mortgage. These sisters aren’t just cute faces; they’re the unofficial CEOs of comfort and chaos.

Peanut Butter, ever alert and always on duty, takes her role as office watchdog very seriously. No delivery, visitor, or squirrel goes unnoticed on her watch. Jelly, on the other hand, is all about the snacks—and will absolutely stare you down for a bite of your lunch.

Their favorite spot? Mom’s office chair, stacked high with cozy blankets just for them. It’s their throne, their nap zone, and their preferred place to supervise mortgage magic.

At PBJ Mortgage, they remind us daily that home is where the comfort (and treats) are.

What It's Like Working With Our Team

Buying or refinancing a home can feel overwhelming, but our team is here to simplify the process and guide you every step of the way.

When you work with our team, you can expect:

  • Clear explanations of your loan options so you understand exactly what you’re choosing

  • Strategic loan structuring to help prevent surprises during underwriting

  • Consistent communication so you always know what’s happening next

  • An organized, smooth process from application through closing

Our goal is simple: help you move forward with confidence knowing you made the right financial decision for your situation.

Who We Help Most

Our team works with a wide range of buyers, but we most often help:

  • Veterans and active-duty service members looking to fully utilize their VA home loan benefits

  • First-time homebuyers who want clear guidance through the mortgage process

  • Move-up buyers and families planning their next home purchase

  • Borrowers with unique financial situations, including self-employed or complex income scenarios

If you’re looking for guidance, clarity, and a team that takes the time to explain your options, we’re here to help.

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