Business Details
30 Years
experience
Trusted Mortgage Services in Laredo, TX
GEO Mortgage Services has been dedicated to simplifying home financing since its founding in 1996. Our team of specialists works closely with clients to identify mortgage solutions tailored to their unique financial situations, offering a range of products including fixed-rate, adjustable-rate, FHA, VA, and jumbo loans. As a member of the Mortgage Bankers Association and the National Association of Mortgage Brokers, we maintain strict professional standards while providing competitive rates and personalized service. Our commitment to transparency is reflected in our detailed rate disclosures and partnerships with local real estate professionals. With decades of combined experience, our licensed loan officers guide clients through every step of the financing process, ensuring compliance with federal and state regulations.We prioritize client education, offering online resources and consultations to demystify mortgage options. Our affiliations with the Laredo Builders Association and the Laredo Board of Realtors reinforce our deep roots in the local housing market. We maintain accountability through participation in state-mandated recovery funds and adherence to ethical lending practices. Our track record of satisfied customers demonstrates our ability to deliver reliable, customer-focused mortgage solutions.
Services
Fixed Rate Mortgages
Adjustable Rate Mortgages
FHA Loans
VA Loans
Jumbo Loans
Details
- Year established: 1996
Highlights and features
- We offer 28+ years of local mortgage expertise since 1996
- Our team provides personalized loan solutions for diverse financial situations
- We maintain industry-leading professional affiliations for quality assurance
- Our competitive rates are backed by partnerships with major lending institutions
- We provide transparent rate disclosures and detailed loan process education
Associations and certifications
- Mortgage Bankers Association
- National Association of Mortgage Brokers
- Federal Housing Authority
- Department of Veteran Affairs
- Texas Department of Savings and Mortgage Lending
Services
Fixed Rate Mortgages
Fixed rate mortgages provide consistent monthly payments with interest rates that remain unchanged throughout the loan term. These loans protect borrowers from market fluctuations while offering predictable budgeting for long-term homeowners. Ideal for those planning to stay in their homes for extended periods.
Adjustable Rate Mortgages
Adjustable rate mortgages feature interest rates that adjust periodically based on market conditions. These loans often start with lower rates than fixed mortgages, making them suitable for short-term homeowners or those expecting future income increases.
FHA Loans
FHA loans offer low down payment requirements and flexible credit standards for first-time homebuyers. Backed by the Federal Housing Administration, these loans make homeownership accessible to borrowers with limited savings or less-than-perfect credit histories.
VA Loans
VA loans provide zero-down payment options for eligible military veterans and service members. Guaranteed by the Department of Veterans Affairs, these loans offer competitive rates and special benefits for qualified applicants.
Jumbo Loans
Jumbo loans finance properties exceeding conventional loan limits. These non-conforming mortgages cater to high-value property purchases with specialized underwriting criteria for premium real estate investments.
People
Edward Glassford
Broker, President and CEO
Founded GEO Mortgage Services in 1996 and leads the company's strategic direction. Licensed mortgage professional with decades of experience in residential lending and local market expertise.
Eduardo Gonzalez
RMLO
Residential Mortgage Loan Originator with extensive knowledge of Texas mortgage regulations. Specializes in guiding clients through various loan programs and maintaining compliance with state and federal requirements.
Questions
What mortgage options are available?
We offer fixed-rate, adjustable-rate, FHA, VA, jumbo, and conventional loans to meet diverse home financing needs.
How do I start the application process?
Begin online through our Loan Center or contact us directly for personalized guidance from our mortgage specialists.
What credit score is required?
Minimum requirements vary by loan type, with FHA loans starting at 680 and conventional loans typically requiring 760+ scores.
Are there down payment assistance programs?
FHA loans require 3.5% down while VA loans offer zero-down payment options for eligible veterans and service members.
How are your rates determined?
Rates depend on loan type, credit score, down payment amount, and current market conditions with daily updates available online.
What areas do you serve?
We primarily serve Laredo, Texas, with mortgage solutions tailored to local housing market conditions and regulations.