PBJ Mortgage

PBJ Mortgage People who love people, that just happen to do mortgage! D magazine best mortgage professionals. FREE Home Ready Tool: https://tinyurl.com/4smk7c6y

Michael Backes- Managing Partner NMLS # 620907

Since I was young I wanted to be a Marine. My service to my country was the greatest joy in my life and when I was medically discharged, I wanted to put that passion and honor into still serving others. After my personal mortgage process went poorly, I decided my next way to serve was become an expert at mortgage. I have spent the last 17 years puttin

g that honor and service into my work for my customers. Jacqueline Crider- Managing Partner NMLS # 943284

My passion has always been helping people since I was a little girl. While achieving my bachelor’s degree from Texas A&M, almost 20 years ago, I started working in mortgage and continued while pursuing my law degree also from Texas A&M. Mortgage gave me an opportunity to use my unique blend of skills and education to help people with something considered the most difficult financial transaction of their life. There is no greater joy than that! Patrick Beste- Operations Manager/Sr. Loan Officer NMLS # 1082978

There’s nothing like the joy on people’s faces when they buy a home or save a bunch of money refinancing. Being a part of that process and knowing I had a hand in getting them there, is one of the most rewarding things in life. PBJ Mortgage powered by My Community Mortgage, LLC is an equal housing lender. TEXAS MORTGAGE COMPANY DISCLOSURE
NMLS ENTITY LICENSE NUMBER 2408499. MY COMMUNITY MORTGAGE, LLC COMPANY IS LICENSED UNDER THE LAWS OF THE STATE OF TEXAS AND BY STATE LAW IS SUBJECT TO REGULATORY OVERSIGHT BY THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING Figure: 7 TAC 80.200(b) “CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH 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 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.”

06/17/2026

"Your why must hurt — soft reasons fold under pressure"

“Because it’s a good investment” won’t get you through hurdles.

You’ll quit when the process pushes back if your why is thin.

Find a sticky, visceral why or keep folding when it counts.

Join Financial Instincts mini opt-in — “Why Work” worksheet (link in bio)

Have questions about buying a home or your loan options?
Book a strategic call with our team here:
https://tidycal.com/team/pbjteam

“We’ll handle it later” and then underwriting hits.We see this a lot with jumbo VA—orders, job relocation, and divorce t...
06/16/2026

“We’ll handle it later” and then underwriting hits.

We see this a lot with jumbo VA—orders, job relocation, and divorce timelines all moving at once. Busy doesn’t mean you should wing it. Our first step is simple: a one-page timeline that shows what you can do now, what can wait, and which documents you can gather in parallel (so you’re not stuck playing phone-tag during underwriting).

If life is changing fast, we build the plan around the calendar you actually have.

Schedule a virtual meeting



06/16/2026

What If Your Dreams Aren’t Yours?

Most people never question where their desires came from. Some goals are inherited from childhood wounds, expectations, or the need to prove something.
👉 The real question is: what do YOU actually want? Follow for more mindset shifts that change everything.



Have questions about buying a home or your loan options?
Book a strategic call with our team here:
https://tidycal.com/team/pbjteam

06/15/2026

"Financial gatekeeping is a scam — learn the basics"

They wrap simple concepts in jargon to keep you small.

You feel stupid in meetings because they want you to. That’s malicious.

Strip the BS, learn the language, and stop being prey.

Listen to Financial Mastery Simplified — link in bio.

Have questions about buying a home or your loan options?
Book a strategic call with our team here:
https://tidycal.com/team/pbjteam

“The payment feels fine—until the final docs change who qualifies.”In divorce, the home decision doesn’t change just bec...
06/15/2026

“The payment feels fine—until the final docs change who qualifies.”

In divorce, the home decision doesn’t change just because the paperwork does. We see it when the entitlement timing, occupancy requirements, and qualification rules land differently on the final documents—especially with jumbo VA.

That’s why we use the “paperwork mismatch” peace plan: a step-by-step document-and-decision sequence so options stay open.

Keep the home vs buy out—without guessing.

Schedule a virtual meeting at pbjteam.com or use fms.tips.



Ever get halfway through the mortgage process and think… wait—what scene are we even on?Here at PBJ Mortgage, we treat i...
06/14/2026

Ever get halfway through the mortgage process and think… wait—what scene are we even on?

Here at PBJ Mortgage, we treat it like a storyline (not a checklist):
Scene 1: Pre-approval + documentation readiness.
Scene 2: Property/occupancy + the right loan fit (jumbo VA for larger financing needs, or divorce lending—keep vs split).
Scene 3: Underwriting + the closing timeline.

When the order gets scrambled, decisions get harder and timelines start slipping. When it’s mapped out, you can move with confidence and compare options that actually match your goals.

Which scene are you stuck on right now?
Schedule a virtual meeting or get our free budgeting tool: https://fms.tips/



Divorce paperwork timed wrong? | You’re not just picking a rate—you’re choosing a timeline that can’t be rewound.We see ...
06/13/2026

Divorce paperwork timed wrong? | You’re not just picking a rate—you’re choosing a timeline that can’t be rewound.

We see “one-size-fits-all” mortgage advice fall apart at the exact moment clarity is needed: timing. For veterans navigating post-separation paperwork and the decision to stay in the home (or not), the “best” path depends on what’s happening next in the process—not just what today’s rate looks like.

That’s why we plan VA options around your timeline: keeping the VA structure when it fits, or repositioning when the next chapter changes the math.

Schedule a virtual meeting at pbjteam.com (or use fms.tips) and we’ll build your peace-of-mind roadmap.



That “pre-approval” letter can look official… until you hit the fine print and it feels like a different language.In jum...
06/12/2026

That “pre-approval” letter can look official… until you hit the fine print and it feels like a different language.

In jumbo VA, the “why” is often hiding in the details—income sourcing, benefit amounts, and whether your documentation is actually ready. We walk you through what those lines mean before you waste time shopping the wrong target.

And if divorce timing is part of your plan (keep vs sell), the questions you should ask change fast. The difference between stress and clarity is knowing what to decode—and what to ask for next.

Schedule a virtual meeting to get your personal ‘decode the letter’ checklist at pbjteam.com.



06/11/2026

"Don’t buy to impress a zip code you don’t even like"

You bought for social credit; now you can’t afford breakfast.

The invoice for impression is sleepless nights and constant worry.

Buy for your values, not for applause. Save your sanity.

Start HouseU — do the life-fit checklist (link in bio).

Have questions about buying a home or your loan options?
Book a strategic call with our team here:
https://tidycal.com/team/pbjteam

That 15-minute “pre-approval” doesn’t account for your j u m b o VA need—or your divorce timeline.We see the pattern wit...
06/11/2026

That 15-minute “pre-approval” doesn’t account for your j u m b o VA need—or your divorce timeline.

We see the pattern with busy professionals: the paperwork looks approved, but the underwriting story is different once we factor in entitlement status, income structure, or the fact that a closing date can’t slip.

That’s why PBJ Mortgage runs a constraint-first call. We map your biggest limiter (not just your credit score), then lay out 2–3 clean path options tailored to your goals.

If you’re juggling jumbo VA or a property decision with timing pressure, don’t guess—get clarity. Schedule a virtual meeting at http://www.pbjteam.com.



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Austin, TX
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