Gaby Lockhart
Licensed Mortgage Loan Officer · NMLS #294851
Your Mortgage,
Made Simple
Helping Texas homeowners navigate mortgage financing with clarity, speed, and confidence. Whether you're buying, refinancing, or tapping into your equity — I'm here every step of the way.
Mortgages Funded
Homeowners Helped
Mortgage Experience
Avg. Time to Close
Mortgage Programs
The Right Loan for
Every Homeowner
🏠
Conventional Purchase
Ideal for buyers with solid credit and stable income. Competitive rates, flexible terms of 10–30 years, and down payments as low as 3%.
🔁
Rate & Term Refinance
Ideal for buyers with solid credit and stable income. Competitive rates, flexible terms of 10–30 years, and down payments as low as 3%.
💰
Cash-Out Refinance
Ideal for buyers with solid credit and stable income. Competitive rates, flexible terms of 10–30 years, and down payments as low as 3%.
🏛️
FHA Home Loan
Ideal for buyers with solid credit and stable income. Competitive rates, flexible terms of 10–30 years, and down payments as low as 3%.
⭐
VA Home Loan
Ideal for buyers with solid credit and stable income. Competitive rates, flexible terms of 10–30 years, and down payments as low as 3%.
🏠
Jumbo Mortgage
Ideal for buyers with solid credit and stable income. Competitive rates, flexible terms of 10–30 years, and down payments as low as 3%.
WHY GABY LOCKEHART
A Mortgage Partner
You Can Trust
01
01
Transparent from Day One
No surprises, no hidden fees. I walk you through every number in your loan estimate so you know exactly what you're signing.
02
02
Pre-Approval in 24 Hours
A verified pre-approval letter — not a soft pre-qual — so you can make competitive offers with confidence in any market.
03
03
I Work Around Your Schedule
Available evenings and weekends. You can reach me by phone, text, or email — and I actually respond quickly.
04
04
Local Market Expertise
Deep knowledge of Texas's real estate market means I can match you with the exact loan program that fits your situation and goals.
How It Works
From Application to
Closing in 4 Steps
01
Free Consultation
We review your homeownership goals, credit profile, and income to match you with the right mortgage program.
02
Pre-Approval
Get a strong, verified pre-approval letter — often within 24 hours — so sellers take your offer seriously.
03
Underwriting
I manage the paperwork, coordinate with underwriters, and keep you informed so there are zero stressful surprises.
04
Close & Buy Home
Sign your final documents and get your keys. My clients close in an average of 21 days or fewer.
Homeowner Reviews
Trusted by Texas
Homeowners
This platform has completely transformed how we manage our marketing campaigns. The ease of use and powerful features have made a significant impact on our ROI.
The automation capabilities are incredible. We've saved countless hours and improved our customer engagement significantly.
The analytics and reporting features give us insights we never had before. Our conversion rates have improved by 40%.
This platform has revolutionized our business operations. The seamless integration and powerful features have helped us scale our marketing efforts efficiently while maintaining excellent customer relationships.
This platform has revolutionized our business operations. The seamless integration and powerful features have helped us scale our marketing efforts efficiently while maintaining excellent customer relationships.
This platform has revolutionized our business operations. The seamless integration and powerful features have helped us scale our marketing efforts efficiently while maintaining excellent customer relationships.
Ready to Get Pre-Approved?
Complete a quick form and I'll respond within one business hour with your personalized mortgage options.
1101 Scott Ave, Suite 8, Wichita Falls Texas 76301
Copyrights 2026 | Gaby Lockhart | Terms | Privacy Policy