Steven Bray
Your Loan Educator | Helping Texans make smart home loan decisions through education and technology
- Role
- Onwer Manager at Texas Lone Star Lending
- Location
- Austin, TX, US
- LinkedIn followers
- 500 followers
About Steven Bray
My mission is simple: make the mortgage process clear, honest, and stress-free through education, technology, and personal service.I joined the company in 2003 after nearly two decades in the software industry - experience that still shapes how I approach mortgage lending. From building our proprietary client tools to streamlining a fully paperless process, my goal has always been the same: make the lending experience easier to understand and easier to trust.Since earning my Texas Loan Officer\'s license in 2007, I\'ve led our team with a commitment to honest communication, smart technology, and relationships built on integrity.Outside of work, I enjoy life with my wife, Stacy, our five children, and eleven grandchildren - two of whom served proudly in the U.S. military.NMLS # 310401
Experience
Onwer Manager
Oct 2003 — Present · Bee Cave, TX, US
I joined Texas Lone Star Lending in 2003 to launch a commercial finance division to complement our residential lending division. I have since then taken responsibility for business operations, compliance, and marketing. I manage all day-to-day operations of the business, including employee relations, budgeting and payroll, and contract negotiations. Regulatory compliance is a major concern for mortgage companies. I authored and maintain all of the company’s compliance documents including a “compliance map” that maps laws and regulations to our internal processes that implement them. Our compliance library includes, among others, a Security Policy to comply with Gramm-Leach-Bliley and Federal Trade Commission and Federal Reserve Board (FRB) regulations, a Quality Control Plan to comply with HUD regulations, and an Advertising Policy to comply with State law and HUD and FRB regulations. I also authored a Loan Process manual that provides a step-by-step guide to loan origination and processing for our employees.After joining the business, I developed a marketing plan to identify marketing targets and strategies for reaching them. Mortgage companies such as ours have two primary targets: real estate agents and past customers. I designed brochures, postcards, and other materials for both targets and created processes for reaching and following up with them. I also designed and developed our corporate and internal (Intranet) Web sites. Both are hosted on a shared Linux server running Apache. I used a combination of HTML, Perl, and JavaScript and open source tools to create a rich customer experience on our public site and a well-developed loan processing system on our Intranet.
Education
Rice University
BA, Economics
1980 — 1984
Austin High
High School
1976 — 1980
The University of Texas at Austin
BS, Petroleum Engineering
1984 — 1987
Skills
- Investments
- Usda
- Investment Properties
- Loan Origination
- Commercial Real Estate
- Fha
- Contract Negotiation
- Selling
- Loans
- Residential Homes
- Insurance
- Sellers
- Marketing
- Refinance
- Credit
- Residential Mortgages
- Finance
- Training
- Customer Service
- Investors
- First Time Home Buyers
- Small Business
- Real Estate Transactions
- Management
- Real Estate Financing
- Real Estate Economics
- Sales
- Real Estate
- Mortgage Lending
- Brokerage
- Foreclosures
- Mortgage Banking
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