• Buy a Home

    Full Application:

    Best for those who have found a property or want to submit a full application for the most thorough review.

  • Refinance

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    Ready to take advantage of today's low rates? Get started on your refinance loan application here:



What people are saying about

  • "One of the best decisions we made during our home-buying process was to work with Tammy Metzer as our Mortgage Loan Originator. From the beginning, when we lived in NY and were researching our move to Texas, Tammy guided us through the process patiently, providing excellent information that helped us make decisions based on accurate and complete information. She brought clarity to complex processes with patience a great sense of humor. If we ever need a loan origination officer Tammy will be the first person I call."

    —Beth Thomas

  • "Working with Tammy the best choice we made in our house buying journey. Without her, we wouldn’t have gotten our dream house. She came up with innovative solutions and was so easy to work with. We originally had Rocket Mortgage as our lender and almost lost our funding as a result of their incompetence. Save yourself the time and just choose Tammy!!"

    —Camille Buzbee

  • "This was my first home purchase, and i would have been absolutely lost if it wasn't for Tammy. She went above and beyond to get me into my home, and made the whole new process much less scary. She is very knowledgeable and easy to do business with. I would definitely trust Tammy with my next home purchase."

    —Adrienne D.

  • "Tammy helped us navigate a tricky refinance and purchase of a new home. She made the process easy, straightforward and was very helpful and responsive at each step along the way. I couldn't recommend her highly enough."

    —Lucia Bisbee

  • "We cannot recommend Tammy Metzger enough! This was our first home purchase and Tammy guided us through the process seamlessly. She was extremely communicative and informative, and was able to secure us with a fabulous interest rate. Buying a home for the first time can be a little intimidating, but we knew we were in good hands during the entire process. Tammy addressed any questions or concerns we had along the way in a very concise and detailed manner. She worked well with our Agent. Our loan was one of the first New Mexico loans that she handled and everything went perfectly! I would recommend Tammy to anyone!"

    —Brandon Williams

  • "Tammy was outstanding! Responsive, friendly, supportive... I can't imagine anyone better. She made the process easy and explained all the technical stuff in terms that we could understand. And she locked us in at the best possible rate. Grateful for her help."

    —Jon Lasser

  • "I really appreciated Tammy's work style. She was honest, open, and very patient with all my questions. We got things done in a month!! How amazing is that in times like these. I can't wait to get started on my home improvements!"


  • "Tammy is super responsive, professional and great to work with! Our refinance was a breeze, and we closed much quicker than we thought we would be able to! We will definitely work with her again and recommend her to our friends. Thank you Tammy!"


  • "Tammy was on top of every step of the way and super responsive. Things went so smooth we closed a week early! Will definitely do business with her again!"


  • "Tammy couldn't make the loan the process any easier and stress free. From the first phone call, everything was explained clearly, questions were answered before I even asked them and I always knew what to expect next. The loan she helped me with is just the first step in what will be a long and complicated process and I can only hope and dream there's a Tammy at each step to make life simple!"


  • "Tammy was amazing! From the first day I reached out asking her to move a mountain and turn around a pre-approval in a few hours she was accommodating and knowledgeable. Tammy is extremely well organized and keeps the process rolling. Tammy was always there to answer my questions. It was a delight and pleasure to work with Tammy—without hesitation I would recommend her to anyone looking for a mortgage broker."


  • "This is our second time working with Tammy and Barton Creek Lending. The experience was smooth with no issues. She communicates clearly and proactively stays on top of the process the whole way. We highly recommend."


  • "Tammy was exceptional! She was always available for any questions I had and made sure I always stayed in the loop. She is was personable and knowledgeable. Tammy never let the ball drop! Every move has the potential to be stressful, especially this move for us which was from one state to another. However, Tammy’s years of experience made our move stress free. Even up to closing date; which closed ON TIME! I highly recommend Tammy as she really made it such an easy process! Peggy’s Tip: Just get Tammy the information as requested and let her do the job. It will be done right and on time."


  • "Tammy was excellent and managed to get a rate far lower than I expected. She was diligent made everything as painless as possible. I highly recommend her!"

    —Timon Mueller

  • "We're so glad we asked our excellent realtor if there were any lenders she recommended for a 30 year note for an investment property. Without hesitation she said, "I highly recommend Tammy Metzger". Now we know why! Tammy was absolutely wonderful to work with from start to finish. Tammy does not mess around! Not a minute is wasted. She stays on task & keeps the ball rolling. She quickly had us pre-qualified, very promptly answered questions and replied to emails. Tammy is professional and very friendly. We've found the best loan officer ever and will definitely go directly to Tammy for our next purchase!"

    —D Steinhagen

  • "After another lender could not make it happen. Tammy worked diligently to work with us on a loan that had obstacles. An unwarrantable property as an investment transaction. She worked closely to find us a lender that would fit our needs. We were closed in 3 weeks. If she can make this happen I will for sure be consulting her going forward for both our investments and my client needs."

    —Eileen Scharf

  • "Tammy was very professional and efficient. I enjoyed working with her. I would highly recommend her for any mortgage needs you may have. Thank you Tammy."

    —Margo Moore

  • "Tammy has helped us over the last 6-9 mo with multiple new purchases & refinances & has made the process as close to painless as possible. She is clear & concise in what is needed & keeps us up to date throughout."


  • "We just closed and what can’t I say about Tammy!?!? If you have the opportunity to have her be your lender, seriously take it without hesitation! She was wonderful throughout the entire process, constantly keeping us in the loop, definitely looking out for our best interest, and always being there to walk us through things and answer our considerable “first-time home buyer” questions. Also, we appreciated how personable she is and that she talks to you like a normal person, no technical jargon here. It truly was a pleasure working with her and she made the whole process easy to handle."

    —Leah Porras

  • "Tammy has been wonderful to work with across a range of different products & situations. We enjoy working with her & will continue to do so for a long time to come!"


  • "Tammy Metzger at Barton Creek Lending is an excellent mortgage lender. She is extremely professional and worked with my wife and I through every step of the underwriting and lending process. She was very responsive and conscientious about getting us the best rate and the best mortgage product to achieve the lowest overall mortgage cost for the home we were purchasing. Our transaction was complicated involving a conventional mortgage and a 2nd lien on a new custom built home. Tammy made the entire process transparent and made sure to give us notice to meet all documentation requirements so that both our loans closed and funded on time. I would highly recommend Tammy and hope to work with her in the future."


  • "Tammy was an excellent guide as we navigated our mortgage. Not only did she provide insight and information, she did so with warm enthusiasm. Very grateful to have her help! Highly recommended."

    —Owen Egerton

  • "We connected with Tammy when we realized we wanted to refinance, and needed help to find the best approach for our family - 30 year? 15 year? Cash-out? How much cash should we take out? Tammy worked with us in depth, calculating all the options, sharing the benefits and potential drawbacks of each approach we might take, and offering encouragement and guidance through the process. Once we settled on the terms of our refinance, she guided us through the application process, and thanks to Tammy it was a breeze! She gave us super clear information about what forms or documents she needed, and her team's online document portal was easy to navigate and use. Tammy was super responsive, always keeping us updated on the progress, and answering all of our (many) questions quickly and thoroughly. Her friendly, enthusiastic messages kept us excited about the next steps as we got closer to closing the loan. Tammy clearly kept in close contact with the title company that handled the closing, as she messaged us with congratulations just minutes after we signed the final document! We felt the whole way that she was a partner with us on our journey to refinance, and it made the whole experience super positive, exciting, and satisfying. And now we have an amazing new loan with fantastic terms. We are so grateful, and wholeheartedly recommend her!"

    —Jodi Egerton

  • "We had the perfect experience refinancing our mortgage with Tammy! You will not find a better person or professional. The process was stress free, quick! She found us the absolutely best rate from the get go! She is connected with the best title company we have ever worked with as well. Couldn’t have asked for more!!!"

    —Ronald Tee

  • "Tammy is great. She led us through the process, explained all of our options, offered us as many contingency options as we asked for, and stuck with our application through its completion. (Including working with lenders who were stuck working from their cars during the awful weather just to make sure we funded on time!)"


  • "Tammy did a great job with my refinance and I highly recommend her. She got things done, was transparent with me, and made sure the refinance went through on time. Thanks Tammy!"


  • "Tammy made the process smooth. Providing the information required and always answering any inquire on time. Closing was finished earlier than expected ."

    —Erwin Palomino

  • "I've worked with several lenders over the past few years of looking for a home in a very competitive market, and while they have all been helpful in their ways, Tammy is head and shoulders above the rest. She is efficient, punctual, polite and friendly, and clearly very sharp. In every interaction I had with her throughout the process, it was very clear that she knows what she's doing. A true gem. I've worked with several lenders over the past few years of looking for a home in a very competitive market, and while they have all been helpful in their ways, Tammy is head and shoulders above the rest. She is efficient, punctual, polite and friendly, and clearly very sharp. In every interaction I had with her throughout the process, it was very clear that she knows what she's doing. A true gem."

    —Eric Sarmiento

  • "We'd been putting off a refinance for quite a while, dreading the amount of paper work and document wrangling it was going to take. However, once we finally pulled the trigger and contacted Tammy Metzger, the process could not have been easier or smoother. There's plenty of banking mumbojumbo that goes into these things, and any time I had questions, Tammy always had an easy to understand answer. Highly recommend!"

    —Hall Family

  • "Tammy was wonderful to work with, she was timely in her responses and walked us through everything each step of the way for the lending process. I highly recommend her services."


  • "Tammy was very instrumental in helping us with the recent refinance on our home. She assisted in advising us on the best time to refinance based on the rates and our long-term goals. She also took to time to thoroughly explain and answer all our questions. The process was smooth and easy. Tammy is very knowledgeable in this area and I would highly recommend her to anyone!"

    —Elena Perez91

  • "Tammy Metzger is direct, knowledgeable, and thorough. She knows how to usher people through the mortgage process in a way that is both supportive and practical."

    —Shawn Tyson

  • "Tammy was great to work with on our refinance. She was quick to respond to all of our questions and kept us right on track throughout the process, constantly communicating and keeping us updated. What a pro, thanks so much, Tammy!"


  • "Working with Tammy was a dream. She answered all of our questions, walked us through the whole process and worked tirelessly to clear up any issues and get us the best deal possible. She made everything completely painless."


  • "After purchasing several homes and doing refis over the years, we had been putting off this refi simply because they are usually a total pain. But not this time! We are so glad we worked with Tammy. She made the entire process, start to finish, straightforward and painless. Her communications were timely and easy to understand, and the loan closed in what felt like record time. She is super responsive, a consummate professional, and I highly recommend her. Thank you Tammy!"


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