Steven McGilbray is a VP of Mortgage Lending at Guaranteed Rate’s Houston, Texas branch. Guaranteed Rate is one of the Nation’s top 10 lenders and offers exceptional service and low rates on Conventional, FHA, VA, Jumbo, and many other home loan products.  Guaranteed Rate also has a down payment assistance program that makes buying a home more affordable for first time home buyers.  Steven entered the mortgage industry in early 2000 after a client, who is also a friend now, from his previous career suggested it. Because of his persistence that he gives it a try, Steven has never looked back. His love for meeting new people and helping them achieve the dream of owning a home is what he enjoys most.   Steven is a native Houstonian, enjoys spending time with my family, traveling and watching his favorite sports teams, college and pro.  Steven McGilbray is your true local home purchase expert in the Houston area.  Get started on your mortgage with Steven today!

VP of Mortgage Lending

Steven McGilbray is your Houston local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Steven is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Steven at (713) 396-5738 for more information!

Steven McGilbray at Guaranteed Rate (NMLS #231830)

I have always been motivated to get the job done right and I am focused on the small details that matter tremendously in the long run.  These traits have helped provide my clients with the best possible service & mortgage experience and ensure that when the going gets tough I deliver results.



I grew up in Pasadena Texas and moved to the Midwest for university where I played football on a scholarship. After graduation I moved to St. Louis for a few years, then moved to Chicago where I lived for 25 years and honed my skills for excellent service while managing a joint venture between a big 3 bank and a boutique, upscale real estate firm. Working side-by-side in an office with Real Estate Agents developed my communication skills for keeping all parties updated while maintaining my client's privacy with the utmost discretion. I eventually moved back "home" to Texas in December 2018, again with a big 3 bank, but felt the entrepreneurial calling to a more progressive company that compliments my strong desire for excellent service & customer experience.



In my career I've strived to service every segment of the market possible, from ultra-luxury to move-up buyers, first-time buyers, government loans and down payment assistance programs and I am proud of my track record in each category. I'm available 7 days a week (real estate deals are often made on weekends and evenings) and am extremely diligent about solving the issues that arise over the course of a transaction. With my industry experience I provide clients with a rare level of insight into negotiations and complex problem resolution/mitigation strategies and ensure that their interests are always at the forefront of my team's efforts.

Producing Branch Manager

  is your  local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States,  is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact  at  for more information!

Lane Sears at Guaranteed Rate (NMLS #700849)

As a mortgage professional for over 30 years Mack Blankenship offers his clients a valuable wealth of knowledge and experience so they feel confident that they're not only receiving the best service, but that they're also receiving a home loan that best fits their unique needs.


"I love being a loan officer and connecting and helping families who end up becoming friends. I've been a mortgage banker for 26 years and have closed loans for thousands of clients. Today, I close loans for the children and sometimes grandchildren for clients going back 25 years."


Blankenship has 3 children and 3 grandchildren, Laila, Ila and Mason. He has also completed **7 IronMan** triathlon events, dozens of marathons and dozens of smaller triathlons. Blankenship was a guide for a blind athlete in the **2012 Boston Marathon** and a guide for the **2015 Paralympic National Triathlon** and assisted in the training of **IronMan para-triathlete Brand Adame**.

Mack Blankenship is your Houston local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Mack is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Mack at (832) 243-8549 for more information!

Mack Blankenship at Guaranteed Rate (NMLS #208691)

As your trusted Guaranteed Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Branch Manager

Holly Whitney is your Houston local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Holly is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Holly at (210) 436-8079 for more information!

Holly Whitney at Guaranteed Rate (NMLS #457611)

Chelsea was born and raised in the mortgage industry and is a second generation loan officer. During her time in the mortgage industry, she has been awarded ++Top Performing Loan Officer by Texas State Affordable Housing, Gold Service Loan Officer by Southeast Texas Housing, Affiliate of the Year by Women's Council of Realtors++and has consistently been a Top Producer within her company. She has a Bachelor of Science degree in Economics and minor in Business from Texas A&M University and she would love to put her education and experience to work for you!

Chelsea Dawson is your Houston local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Chelsea is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Chelsea at (281) 703-7874 for more information!

Chelsea Dawson at Guaranteed Rate (NMLS #1083316)

Connie Tharp is your Houston local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Connie is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Connie at (713) 826-0051 for more information!

Connie Tharp at Guaranteed Rate (NMLS #414087)

Paul has been in the mortgage-lending industry for more than 20 years. He has seen many highs and the lows in the industry during that time. "I have seen the business become very regulated and complicated but one thing that has never changed is for whom we do our business," he says. "And that's you, the customer. I take it upon myself to be an expert in what I do and find ways to make the process simpler for the customer." As a seasoned loan originator, Paul is careful to ensure that his customers are educated and informed during the entire mortgage process. "My goal is to ensure that they feel certain that they chose the right lender because there were no surprises in the process," he adds. Paul has extensive experience in originating jumbo, conventional, FHA, VA and renovation loans. He also has a passion for assisting first-time homebuyers with successfully financing a home of their own.

Paul Sellers is your Houston local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Paul is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Paul at (713) 487-5947 for more information!

Paul Sellers at Guaranteed Rate (NMLS #170458)

Thea Lindquist is your Houston local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Thea is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Thea at (612) 284-2975 for more information!

Thea Lindquist at Guaranteed Rate (NMLS #1491078)

Colt Badger is your Houston local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Colt is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Colt at (832) 772-9389 for more information!

Colt Badger at Guaranteed Rate (NMLS #1384066)

Houston native Andrea Fowler has devoted the last 23 years to giving back to the communities in which four generations of her family have lived. Fowler works with buyers seeking mortgage loans or knowledge of the various loan programs her company offers. She's grateful to be able to serve clients regardless of their backgrounds and income levels throughout the Texas market.Through Fowler's knowledge and experience within the Community Reinvestment Act and real estate market, she has become a trusted contact between various Houston area non-profits, Agents, developers, and schools. With an eye on the future, Fowler has also begun to focus on recent college graduates by co-hosting Young Women's Preparatory College Academy's 2023 Alumnae Symposium – The Bag: Now That You've Got it, What Do You Do with It? Other previous projects include her consulting with Agape Development's Affordable Homes Program for first-time homebuyers and her work with the NAACP via their Homes for Houston events. In keeping with her diverse approach to the real estate industry and a deep belief in paying it forward, Fowler is an active community member, both inside and outside the office. She is a proud volunteer with the NAACP Housing Committee and a Certified Applied Neuroscience Coach.

Andrea Fowler is your Houston local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Andrea is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Andrea at (281) 436-7465 for more information!

Andrea Fowler at Guaranteed Rate (NMLS #208185)

Houston

<section class="footer" style>
    <div class="footer__topDivider">
        <div class="footer__linkpacK">
            <div class="footer__linkpack__column">
                <p><strong>Manage your mortgage</strong></p>
                <ul>
                    <li><a title="footer: sign into your account" href="https://login.rate.com/" data-track="mortgageFooterNav-signin" rel="nofollow" target="_self">Sign in to your account</a></li>
                    <li><a title="footer: pay your mortgage" href="/servicing" data-track="mortgageFooterNav-pay-mortgage" rel="nofollow" target="_self">Pay your mortgage</a></li>
                    <li><a title="footer: contact us" href="/contact-us" data-track="guaranteedrateFooterNav-contact-us" rel="nofollow" target="_self">Contact us</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>About us</strong></p>
                <ul>
                    <li><a title="footer: about guaranteed rate" href="https://www.rate.com/about-us" data-track="guaranteedrateFooterNav-about-us" rel="nofollow" target="_self">Overview</a></li>
                    <li><a title="footer: our core values" href="https://www.rate.com/about-us/core-values" data-track="guaranteedrateFooterNav-corevalues" rel="nofollow" target="_self">Core values</a></li>
                    <li><a title="footer: leadership" href="https://www.rate.com/about-us/leadership" data-track="guaranteedrateFooterNav-leadership" rel="nofollow" target="_self">Leadership</a></li>
                    <li><a title="footer: press" href="https://www.rate.com/news" data-track="guaranteedrateFooterNav-press" rel="nofollow" target="_self">Press</a></li>
                    <li><a title="footer: Our Foundation" href="https://www.rate.com/about-us/gr-foundation" data-track="guaranteedrateFooterNav-foundation" rel="nofollow" target="_self">Our Foundation</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Careers</strong></p>
                <ul>
                    <li><a title="footer: loan officer careers" href="https://www.rate.com/careers/loan-officers" data-track="guaranteedrateFooterNav-loan-officers" rel="nofollow" target="_self">Loan officers</a></li>
                    <li><a title="footer: careers at GR operations" href="https://www.rate.com/careers/operations" data-track="guaranteedrateFooterNav-operations" rel="nofollow" target="_self">Operations</a></li>
                    <li><a title="footer: careers at GR tech" href="https://www.rate.com/careers/gr-tech" data-track="loantypesFooterNav-gr-tech" rel="nofollow" target="_self">Tech</a></li>
                    <li>
                        <a title="footer: all open positions at guaranteed rate" href="https://www.rate.com/careers/open-positions" data-track="guaranteedrateFooterNav-all-open-positions" rel="nofollow" target="_self">All open positions</a>
                    </li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Websites</strong></p>
                <ul>
                    <li><a title="footer: GR insurance" href="https://www.guaranteedrateinsurance.com/" data-track="guaranteedrateFooterNav-Insurance" target="_blank">Guaranteed Rate Insurance</a></li>
                    <li><a title="footer: advocus title" href="https://advocustitle.com/" data-track="guaranteedrateFooterNav-Advocus-Title" target="_blank">Advocus Title</a></li>
                    <li><a title="footer: agent advantage" href="https://agents.rate.com/" data-track="guaranteedrateFooterNav-Agent-Advantage" target="_blank">Agent Advantage</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Connect with us</strong></p>
                <p>
                    <a class="footer__linkpack__social" aria-label="social-youtube" href="https://www.youtube.com/channel/UCc4dTfT3Eh1lU59jjsp4EuQ"><i data-testid="font-icon" class="rc-font-icon font-icons-social-youtube " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-instagram" href="https://www.instagram.com/guaranteedrate/"><i data-testid="font-icon" class="rc-font-icon font-icons-social-instagram " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-linkedin" href="https://www.linkedin.com/company/guaranteed-rate"><i data-testid="font-icon" class="rc-font-icon font-icons-social-linkedin " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-twitter" href="https://twitter.com/guaranteedrate"><i data-testid="font-icon" class="rc-font-icon font-icons-social-twitter " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-facebook" href="https://www.facebook.com/guaranteedRate"><i data-testid="font-icon" class="rc-font-icon font-icons-social-facebook " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a>
                </p>
            </div>
        </div>
        <div class="footer__griLinks">
            <div class="footer__grLinks__links">
                <p>
                    <a title="footer: accessibility" href="https://www.rate.com/accessibility" data-track="footerFullWidthMenu1-accessibility" rel="nofollow" target="_self">Accessibility</a> |
                    <a title="footer: licensing" href="https://www.rate.com/licensing" data-track="footerFullWidthMenu1-licensing" rel="nofollow" target="_self">Licensing</a> |
                    <a title="footer: notice to vendors" href="https://www.rate.com/notice-to-vendor" data-track="footerFullWidthMenu1-notice-to-vendors" rel="nofollow" target="_self">Notice to Vendors</a> |
                    <a title="footer: privacy policies" href="https://www.rate.com/privacy" data-track="footerFullWidthMenu1-privacy-policies" rel="nofollow" target="_self">Privacy Policies</a> |
                    <a title="footer: sms terms " href="https://www.rate.com/sms-terms" data-track="footerFullWidthMenu1-sms-terms" rel="nofollow" target="_self">SMS Terms</a> |
                    <a title="footer: terms of use" href="https://www.rate.com/terms" data-track="footerFullWidthMenu1-terms-of-use" rel="nofollow" target="_self">Terms of Use</a> |
<a title="footer: DNC" href="https://dih4lvql8rjzt.cloudfront.net/cms/aef46f19-6a80-4a9d-8d50-e4d06e89b8a1_GR-DNC-Consumer-Policy.pdf" data-track="footerFullWidthMenu1-terms-of-use" rel="nofollow" target="_self">DNC</a> |
                    <a title="footer: nmls consumer access" href="http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2611" data-track="footerFullWidthMenu1-nmls-consumer-access" rel="nofollow" target="_self">
                        NMLS Consumer Access
                    </a>
                </p>
            </div>
            <div class="footer__grLinks__logo">
                <p>
                    <a href="/">
                        <img
                            alt="Guaranteed Rate Logo"
                            data-src="https://s3.amazonaws.com/grate-cms/3fe9b590-ed40-4d75-9a71-08f318e027f5_gr-2color.svg"
                            src="https://s3.amazonaws.com/grate-cms/3fe9b590-ed40-4d75-9a71-08f318e027f5_gr-2color.svg"
                            width="155"
                        />
                    </a>
                </p>
            </div>
        </div>
        <div class="footer__disclaimerLinks">
            <p>
                <a href="https://www.rate.com/delaware-licensed-loan-officers" data-track="footerFullwidthMenu2-delaware-licensed" target="_self">Delaware Licensed Loan Officers</a> |
                <a href="https://www.rate.com/texas-consumers-how-to-file-complaint" data-track="footerFullwidthMenu2-texas-consumers" target="_self">Texas Consumers: How to file a complaint</a> |
                <a href="https://privacyportal-cdn.onetrust.com/dsarwebform/168096e5-faa8-4fdd-a479-992231adbdc1/70bd9394-cadd-46fa-8eaf-11c1f5523029.html" data-track="footerFullwidthMenu2-do-not-sell" target="_self">
                    Do not sell my personal information
                </a>
            </p>
            <p class="footer__disclaimerText">
                Please note that applications, legal disclosures, documents or other material related to Guaranteed Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the
                convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail.
            </p>
        </div>
        <div class="footer__housinglogo">
            <p>
                <img
                    alt="Equal Housing Lender Badge"
                    data-src="https://dih4lvql8rjzt.cloudfront.net/cms/4a0cbd28-6f93-44e8-a5e4-a52e9ce30ee2_EqualHousingLender.svg"
                    src="https://dih4lvql8rjzt.cloudfront.net/cms/4a0cbd28-6f93-44e8-a5e4-a52e9ce30ee2_EqualHousingLender.svg"
                    width="136"
                    height="29"
                    style="width: 136px; height: 29px;"
                />
            </p>
        </div>
        <div class="footer__grInfo">
            <p>
                © 2024 Guaranteed Rate, Inc. All rights reserved.<br />
                NMLS License #2611 - For licensing information, go to: <a href="https://www.nmlsconsumeraccess.org">www.nmlsconsumeraccess.org</a><br />
Arizona Mortgage Banker License #0907078<br />
                3940 N. Ravenswood Ave Chicago, IL 60613 The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock.
            </p>
        </div>
    </div>
</section>


10 Loan Officers in Houston, TX