I'm Stevie. Your Cash Flow Consultant.

Mortgage Broker serving Texas, Colorado, and Utah — Home loans, refinancing, DSCR loans, and cash-out refinance. NMLS# 2845865

First-time buyers get into a home the right way. Homeowners leverage their mortgage to free up cash. Investors find financing that makes their deals work. I make all three happen — across Texas, Colorado, and Utah.

Stevie De Gala, licensed mortgage broker in Texas, Colorado, and Utah

Licensed in Texas  •  Colorado  •  Utah

The Process

Simple. Transparent. On your side.

01

Tell me your goals

A free 20-minute call — no forms to fill out beforehand, no pressure. Just an honest conversation about where you are and where you want to go.

02

I shop the market

I compare rates and structures across 30+ lenders on your behalf. You get options, not a take-it-or-leave-it offer from a single bank.

03

You close with confidence

Clear terms, no surprises, and a real person you can call throughout the process. Better financing — and you understand exactly why.

Most people leave money on the table because nobody ever sat down and showed them a better option. I am here to be that person.

First-Time Buyers

Your first home. Done right.

FHA, conventional, VA, USDA — there are more options than most people realize. I explain every one in plain English and find the loan that makes your first home your best financial move.

See what's possible
Homeowners

Your home is sitting on capital.

Most homeowners don't realize how much equity they're leaving idle. The right refinance can pay off high-interest debt, cover college, or free up cash for whatever matters next.

See what's possible
Investors

More options. Better terms.

Local lenders give you a handful of choices. I compare dozens — DSCR loans, portfolio products, and creative structures built around your strategy, not a bank's checklist.

See what's possible

Why a Broker

Your bank is not shopping for you.

When you go directly to a bank, you get one offer. A broker shops the entire market on your behalf and brings you the best option available.

Going Direct to a Bank

Working with Stevie

One lender. One set of products. One offer.
30+ lenders compared side by side on your behalf.
Retail pricing — set by the bank for the bank.
Wholesale pricing — more competitive than retail.
Limited loan types — mostly what they sell in-house.
Every loan type: FHA, VA, USDA, Jumbo, DSCR, Non-QM, and more.
Self-employed? Often a difficult conversation.
Self-employed? Bank statement loans and Non-QM options available.
Closing costs are what they are.
Multiple lenders compete — best total cost wins.
Their loan officer works for the bank.
I work for you. Not the lender. Not the bank.
You do the shopping. Alone.
You relax. I do the shopping.

Broker compensation is paid by the lender — not by you. My job is to find you the best deal, not the one that pays me the most.

Common Questions

Questions people ask before they call.

Ironman Finisher

When the process gets hard, I know how to push through.

Ground-Up Developer

I built a self-storage facility from scratch as a senior in college.

BYU Entrepreneurial Management

My degree was built around building things, not just studying them.

Licensed in TX, CO, and UT

Three states, three communities, one consistent standard of service.

Loan Finder

Not sure which loan is right for you?

Answer a few questions and I will show you which loan options match your situation — with pros, cons, and a clear explanation of why.

Find My Loan

Rate Watch

Rates change daily. Know when they drop.

Drop your email and I will reach out personally when rates make a meaningful move — so you are ready to act, not reacting late.

Better financing starts with one conversation.

A free 20-minute call is all it takes to find out whether smarter capital can change your financial picture.