PBJ Mortgage

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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 putting 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.”

If you're a veteran relocating for orders, a pre-approval can help ease one big unknown.Before touring homes, ask us to ...
10/10/2026

If you're a veteran relocating for orders, a pre-approval can help ease one big unknown.

Before touring homes, ask us to compare a few purchase-price and monthly-payment scenarios. That gives you room to think about moving costs, timing, and the payment that fits your life after the move, not only the maximum you may qualify for.

Save this tip for your home search, then Schedule a virtual meeting at pbjteam.com.



The house payment fits, until life changes the math.A move, divorce, or shift in income can bring a decision before you’...
10/09/2026

The house payment fits, until life changes the math.

A move, divorce, or shift in income can bring a decision before you’ve had time to sort through the details. The monthly mortgage payment is only part of the picture; keeping a home also means accounting for the rest of the budget and the financing options available to you.

Before you buy, keep, or divide a home, we can help you map the numbers and compare paths. Schedule a virtual meeting at pbjteam.com.



10/09/2026

“What If His Voice Is Still In Your Head?”

Even after the relationship changes, repeated criticism can stick with you. Suddenly, every financial decision feels like something you’re going to mess up.
👉 Rebuilding financial confidence starts with learning to trust your own ability to make decisions again.



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

How we keep mortgage planning from becoming a second job: start with the decision in front of you.Are you buying with ju...
10/08/2026

How we keep mortgage planning from becoming a second job: start with the decision in front of you.

Are you buying with jumbo VA financing, deciding whether to keep the home through a divorce, or fitting a purchase around a demanding work schedule? We first understand your goal, then organize the next steps around your needs, not a generic checklist. That gives us a clearer way to review options together.

Schedule a virtual meeting at pbjteam.com, and we’ll make the path clearer together.



10/08/2026

“You Can Be Successful And Still Fear Spending $75”

You can run a business, lead a team, manage a household, or handle million-dollar projects—and still second-guess whether you’re “allowed” to spend $75.
👉 Being capable in every other area doesn’t automatically create financial confidence.



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

Are you treating the first mortgage option you hear as your only one? The wrong assumption can leave you weighing a jumb...
10/07/2026

Are you treating the first mortgage option you hear as your only one? The wrong assumption can leave you weighing a jumbo VA purchase or a divorce-related home decision without seeing the tradeoffs.

At PBJ Mortgage, we start by understanding your goals, then explain several paths so you can make a confident, informed decision. Schedule a virtual meeting: pbjteam.com

10/07/2026

“Financial Confidence Isn’t Fearlessness”

Financial confidence doesn’t mean you’ll never feel scared or uncertain about money. It means trusting yourself to figure out what to do when things don’t go according to plan.
👉 You don’t need to eliminate fear—you need to build trust in your ability to handle what comes next.



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

Buying is not automatically the responsible choice, and we can show you why.Renting may keep cash available for a career...
10/06/2026

Buying is not automatically the responsible choice, and we can show you why.

Renting may keep cash available for a career move, a change in family plans, or savings. Buying puts more of it toward homeownership. The right fit depends on your finances, lifestyle, and what you need your money to do next. We’ll help you compare your options, including VA financing.

Schedule a virtual meeting at pbjteam.com.



10/06/2026

“Financial Abuse Doesn’t Always Look Like Abuse”

Financial control may not start with someone openly taking control of your money. Sometimes it begins with something that seems reasonable—until the rules change and you start feeling like you need permission for everything.
👉 Pay attention when financial “help” starts becoming financial control.



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

The fastest mortgage process starts with more questions, not fewer.For busy professionals, the right questions come befo...
10/05/2026

The fastest mortgage process starts with more questions, not fewer.

For busy professionals, the right questions come before the paperwork. Are you buying a home, keeping one after divorce, splitting the largest asset, or exploring a jumbo VA strategy for a larger financing need? Once we understand the decision behind the loan, we can organize the options around your goals and build a clear action plan. That means less uncertainty, fewer wasted evenings, and guidance that makes the complicated simple.

Schedule a virtual meeting at pbjteam.com.



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Austin, TX
75072

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