Chris Manning - NMLS# 303182

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Chris Manning - NMLS# 303182 Chris Manning, GFS Home Loans
NMLS # 303182
Home Loan Originator Our commitment begins at prequalification and extends beyond the closing of your home purchase.

Established in the heart of San Antonio, Texas, in 2023, GFS Home Loans has been a beacon of excellence in mortgage banking. As a team of seasoned professionals, we are devoted to ensuring your home-buying experience is both seamless and rewarding. As an equal housing lender, we take pride in serving our vibrant community with a diverse portfolio of residential mortgage options, including:

VA Loans
FHA Loans
Conventional Loans for primary, secondary, and investment properties
Nonconforming – Jumbo Loans
Refinancing Options – Rate & Term, Cash-Out, and VA IRRRL
Innovative “Out of the Box” portfolio products

At GFS Home Loans, we specialize in finding the perfect loan match for every client, tailored to meet their individual needs. We manage your mortgage process entirely in-house, with our dedicated GFS employees who are deeply rooted in the communities we serve. For us, you are more than just a loan number, and service is more than a word in our name. Our commitment is to exceptional, personalized service from the first step in your home search to the moment you hold your new home's keys. TEXAS RECOVERY FUND NOTICE: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER 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 MORTGAGE BANKER 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.

Rates finally caught a break. ☀️The 30-year fixed averaged around 7.48% as of Friday, down about 0.09% on the week and a...
10/12/2026

Rates finally caught a break. ☀️

The 30-year fixed averaged around 7.48% as of Friday, down about 0.09% on the week and at its lowest level in two weeks, per Mortgage News Daily. Thursday brought the biggest one-day drop in three months.

Meanwhile, buyers keep gaining ground:
- Homes for sale are up 6.7% from a year ago, the fastest growth since February
- With new-home demand cooling, some builders may be offering more incentives

This week, inflation reports on Wednesday and Thursday could decide whether the relief sticks.

Wondering if this is your window? Comment UPDATE and we'll walk through it with you.

Sources: Mortgage News Daily, Realtor.com, MBA. Rates shown are national averages, not a quote or commitment to lend.

Your offer got accepted. Congrats! Here's what happens between now and the keys.• Inspection: a pro checks the home so y...
10/08/2026

Your offer got accepted. Congrats! Here's what happens between now and the keys.

• Inspection: a pro checks the home so you know what you're buying
• Appraisal: confirms the home's value lines up with the price
• Underwriting: your loan file gets its final review
• Clear to close: the best three words in homebuying
• Closing: sign, celebrate, get your keys

Every timeline is a little different, and we'll walk you through each step. Visit https://www.gfshomeloans.com/loan-officer/chris-manning and we'll tell you what to expect.

Being ready to buy isn't only about the numbers. Sometimes it's a feeling.You might be ready if:• You're tired of asking...
10/07/2026

Being ready to buy isn't only about the numbers. Sometimes it's a feeling.

You might be ready if:
• You're tired of asking permission to paint a wall
• Your lease renewal made you wince
• The dog deserves a yard (and so do you)
• You want your monthly payment to start building something that's yours

Which one hit home? Tell us in the comments. And if you're feeling it, visit https://www.gfshomeloans.com/loan-officer/chris-manning and we'll help you figure out your next step.

It's Fire Prevention Week, and a new home is the perfect time to start good habits.A few quick checks that take minutes:...
10/06/2026

It's Fire Prevention Week, and a new home is the perfect time to start good habits.

A few quick checks that take minutes:
• Test your smoke alarms once a month
• Charge phones, laptops and e-bikes on hard surfaces, not beds or couches
• Use chargers and cords that are certified, not bargain knockoffs
• Make sure everyone knows two ways out of every room

Just got your keys? Tag someone who's settling into a new place this fall.

Rates climbed again last week, but there's another side to this market.The 30-year fixed averaged around 7.57% as of Fri...
10/05/2026

Rates climbed again last week, but there's another side to this market.

The 30-year fixed averaged around 7.57% as of Friday, up about 0.14% on the week, per Mortgage News Daily. September's jobs report came in softer than expected, but rates still finished the week higher.

Here's what's working in buyers' favor:
• Homes for sale are up 6.3% from a year ago
• More than 1 in 5 listings had a price cut in September, the most since 2022
• Asking prices are about 1.4% lower than last year

Higher rates and more negotiating power can both be true right now. Comment UPDATE and we'll walk you through what it means for your budget.

Sources: Mortgage News Daily, Realtor.com, U.S. Bureau of Labor Statistics. Rates shown are national averages, not a quote or commitment to lend.

Hello, October. 🍂Your fall to-do list is probably filling up fast:• Pumpkin patch• Sweaters out of storage• Something wa...
10/04/2026

Hello, October. 🍂

Your fall to-do list is probably filling up fast:
• Pumpkin patch
• Sweaters out of storage
• Something warm with cinnamon
• Get Pre-Qualified

That last one takes less time than finding the perfect pumpkin, and it tells you exactly where you stand before the new year.

Comment OCTOBER and let's check one thing off your list.
Visit https://www.gfshomeloans.com/loan-officer/chris-manning to get started

The last quarter of the year is quietly one of the smartest times to buy.While a lot of buyers pause for the holidays, y...
10/03/2026

The last quarter of the year is quietly one of the smartest times to buy.

While a lot of buyers pause for the holidays, you can move with less noise:
• Often fewer buyers competing for the same homes
• Sellers listing now tend to be motivated
• Time to close and settle in before the new year

Every buyer's timeline is different. Visit https://www.gfshomeloans.com/loan-officer/chris-manning and we'll talk through yours.

Myth: The Fed sets mortgage rates.The Fed sets a short-term rate for banks. Mortgage rates track the bond market much mo...
10/02/2026

Myth: The Fed sets mortgage rates.

The Fed sets a short-term rate for banks. Mortgage rates track the bond market much more closely, and bonds react every day to things like:
• Jobs reports
• Inflation data
• How strong the overall economy looks

That's why rates can move even when the Fed doesn't.

Want to know what's moving rates right now? Comment RATES and we'll break it down.
Visit https://www.gfshomeloans.com/loan-officer/chris-manning

You're under contract. Now hold still.Between Pre-Qualification and closing, your finances are still being reviewed. Big...
10/01/2026

You're under contract. Now hold still.

Between Pre-Qualification and closing, your finances are still being reviewed. Big changes can delay or derail your loan. Before closing, pause on:
• Opening new credit cards or loans
• Financing a car or furniture
• Changing jobs without talking to us first
• Large deposits you can't document
• Co-signing for anyone

Not sure if something counts? Visit us at https://www.gfshomeloans.com/loan-officer/chris-manning and ask before you act.

Address

5606 N Navarro Ste. 300-T
Victoria, TX
77904

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+13616558141

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