I'm Frank Perea. I've spent 24 years in the mortgage industry, including the last 16 as a licensed loan originator. Over that time, I've learned that most homebuyers don't need more sales pressure. They need someone who will explain the numbers, answer the hard questions, and help them understand what their next step should be.
5.0 stars from 82 Google reviews
Who I Am
I was born in Fort Stockton and raised in Pecos, and although my career took me to different parts of the country, West Texas has always been home.
I got into the mortgage business almost by accident. At 18, my first real job was in the collections department of a mortgage company. A couple of years later, I became a traveling loan officer, driving across Texas and Oklahoma to sit at veterans' kitchen tables and walk them through VA refinance loans.
From there, I spent eight years as a loan processor in Albuquerque, Pittsburgh, and Denver. That experience gave me a different perspective when I eventually became a loan originator. I had already spent years behind the scenes learning what it actually takes to get a mortgage from application to closing.
My wife, Cinthia, and I eventually made the decision to come back to West Texas to raise our family close to their tíos, tías, primos, and abuelos. That's also when I got my loan originator license and began building my own mortgage business.
The first year wasn't easy. I worked nights at Home Depot while building the business during the day.
Sixteen years later, I'm still originating mortgages here in West Texas. And after helping hundreds of families, I've learned that most homebuyers don't need someone to sell them on buying a home. They need someone who can help them understand the numbers, answer their questions, and tell them where they actually stand.
How I Work
Buying a home comes with a lot of numbers and a lot of decisions. I don't expect you to already understand all of it. My job is to explain it clearly so you can make a decision you feel comfortable with.
We'll go over the current market and your actual numbers, including your down payment, closing costs, rate options, and estimated payments. I want you to understand how everything fits together, not just leave with a payment. You'll also get a copy of what we discussed so you don't have to remember it all.
There's not always one "best" mortgage option. Some buyers would rather keep more cash in their pocket, while others are comfortable paying more upfront for a lower rate. I'll show you the differences, explain the pros and cons, and help you decide what makes the most sense for you.
Not qualifying right now doesn't mean you'll never be able to buy a home. If something is holding you back, I'll explain what it is and give you specific things to work on so we can try again in the future.
What Clients Say
"They kept us informed during the entire process and put us at ease."
"Frank and his team were so professional during our home loan process. It's the second time we've used them."
Our Difference
Getting a mortgage involves more than finding a rate. You need to know where you stand, understand your options, and have a team that can get the loan from application to closing.
We start with your numbers, not a sales pitch. Before talking about what you should do, we look at your income, credit, savings, down payment, closing costs, and estimated payment so you understand what buying a home would actually look like for you.
You get experience on both sides of the mortgage process. Before becoming a loan originator, I spent eight years processing mortgages. That experience helps me look beyond getting you pre-approved and think about what it's going to take to actually get your loan through the process and to closing.
You have a team behind your loan. Getting a mortgage isn't a one-person job. My team and I work together throughout the process so you know what's happening, what we need from you, and what comes next.
We look for a path forward, even when the answer today is no. Sometimes a loan doesn't work the first way we try it, or a buyer simply isn't ready yet. We'll look at the available options, and if the numbers still don't work, we'll explain what needs to change so you know what to work toward.
The Team
Getting a mortgage takes a team. Here are some of the people you'll work with along the way.
I'm the one you'll sit down with to go over your numbers, talk through your mortgage options, and figure out the best path forward for your situation. I stay involved throughout the process and work closely with our team from application through closing.
Cinthia helps new clients get started. She can walk you through completing your application, whether online or over the phone, and helps gather the initial paperwork we need to begin reviewing your loan.
She's also my wife and has been an important part of this business for years. Outside the office, she's a devoted mom and dog lover who enjoys baking and trying new dishes in the kitchen.
Once you're under contract on a home, Bianca helps guide you through the paperwork and underwriting process on the way to closing. She helps clients understand what documents are still needed, keeps things moving, and is there to answer questions along the way.
She's diligent and understanding, qualities that make a big difference during a part of the homebuying process that can sometimes feel overwhelming.
Track Record
...and counting. I've helped clients with both home purchases and refinances throughout West Texas and beyond.
I've worked on different sides of the mortgage business, including eight years as a loan processor and the last 16 years as a licensed loan originator.
Some of the people reaching out to me today are the grown children of clients I helped years ago — one of the most meaningful signs that we've earned people's trust.
From 82 reviews — feedback from clients who've experienced what it's like to work with our team.
Ready When You Are
Start with a free numbers review. We'll go over your situation, answer your questions, and help you understand what your next step looks like.
Schedule Your Free Numbers Review→No obligation to apply. No credit pull required to get started.
432-897-2299