Steven McGilbray

Branch Manager/VP of Mortgage Lending
2100 West Loop South, 8th Floor, Offices 801 & 824 , Houston, TX 77027
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NMLS: 231830
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Steven and team were great to work with. Genuinely good, trustworthy people.

Adam S. | August 2018

Steven is a great loan officer. He communicates very well, is always available to answer questions and is overall a very trustworthy guy, which is not common in the lending industry these days. I would use him again in the future and won't hesitate to refer him to my friends and family for their lending needs. Thanks Steven!!!

Joshua R. - July | 2018

Everyone did a great job!!!

Jeffrey S. | July 2018

Steven was extremely responsive throughout the process and offered the best solution when some issues occurred.

Yung-Teng L. | June 2018

From the very beginning working with Steven for mortgage, I was extremely impressive by his amazingly fast responses to my millions questions as I am the first-time buyer. I could almost always get his responses faster than I expected or even like instantly. I could felt that he worked to get my very competitive rates and offered the best solution when our mortgage had to close earlier than originally scheduled. He was on the of the whole mortgage process to get the job done even if he was on...

Ben L. | June 2018

We've worked with Steven McGilbray through three transactions. This one was tough because of the nature of the property and because of our sellers' circumstances. As ever, Steven was professional, responsive, patient and knowledgeable. We appreciate the professionalism he brings to this process.

Donovan W. - May | 2018

Steven was excellent. He made sure that we understood how the loan process worked and was always available to answer our many questions. As first time home buyers, we appreciate his patience, thoroughness, and also humor (as the jaws of responsibility gnawed on our happiness.)

Tina N. | April 2018

Steven was very knowledgeable and helpful through the entire loan process. As a first time home buyer I had a lot of questions and Steven was always available via both phone and text, and extremely responsive to any emails. I thoroughly appreciated the personal attention and very high level of service I received from Steven, Katie and Kelly through the entire process. I will absolutely use Guaranteed Rate for any future needs and have already recommended Steven's services to a number of friends...

Lamar F. - Houston, TX | JAN 2017

This is by far the most efficient way of obtaining a mortgage loan. Steven and his team were excellent right from the word go. I never had to wait for responses for any of my questions - phone, email, text. Steven was available 24/7 to answer my questions, extremely polite, responsive and a great guy with amazing leadership qualities. Nicole is one of the most detail oriented persons I have ever worked with. She is thorough, meticulous and pays close attention to details. Like Steven, she was...

Jaivijay R.- JUN 2016

Steven McGilbray was the epitome of professional and responsive in all his dealings with me. He made the process about as painless as it is possible to make such a transaction in today's highly regulated environment. I plan to use Steven again should the need for a mortgage ever arise again.

Ellen B.- Houston,TX | MAY 2016

Steven McGilbray is excellent -- professional, responsive and experienced. He walked through everything and took the time to explain the details. We had some timing constraints, and he ensured that the process wasn't delayed and went above and beyond to keep me apprised of the process, dealing with any questions or issues immediately. I'm very, very pleased.

Miguel K. -Houston, TX | APR 2016

Steven McGilbray and his team made the complex, bureaucratic process of getting a loan pleasant. Steven in particular and others (Josh Blitz) were available even at the most inconvenient times and were always willing to answer every mundane, routine question with utmost attention and diligence. I always felt it was a very personalized loan process, tailored to my very individual needs and specifications and not just another applicant in the queue (even though that was probably where I was)....

Kingwood, TX Dec 4, 2015

This team works REALLY fast! Steven and his team seemed like they were working AROUND THE CLOCK, and the document management software they use is awesome. Steven was there for the closing, which was really reassuring. And they're rates and fees were very fair. Extremely impressed overall. Only issue is: they work SO fast that I was always the bottleneck to get them the information they needed to close quickly. As the customer, that's great, but they also inadvertently make that pressure...

Houston, TX- Nov 13, 2015

I switched from Chase to Guaranteed Rate. I couldn't have asked for better service from Steven! I got a great interest rate on my loan. No hassles or runaround. Fast, efficient and friendly. Ensured that funding was done so I could closed on time. Thank you!

Houston, TX- Nov 5, 2015

I had a great experience with Mr. .McGilbray - all of my questions were answered very quickly, I got a good interest rate, and he was able to successfully push my loan through very quickly so that we could close early. We made an offer on and executed the contract for the house on 9/11, and were able to close on 9/25. Everything went very well!

Houston, TX - Sep 25, 2015

Steven did an impressive job on helping me get the loan. He is knowledgeable, transparent to their charges and policies, and extremely prompt to all my questions and requests. We got a very good interest rate from Steven and he did a great job estimating the closing cost so there was not any surprises at the closing.

Katy, TX 77450- Sep 18, 2015

Steven was amazing. Very friendly, helpful and efficient. He was always available whenever I had questions!

Lauren U. – Houston, TX | SEP 2015

Steven and his team were extremely prompt, tenacious and most importantly, Steven demonstrated that he truly cared for the customer by attending the closing on a Friday afternoon.

Ranghavan R. – MISSOURI CITY, TX | AUG 20

Check out this Yelp review for Steven McGilbray! Thanks to the patience and talent at Guaranteed Rate; we were able to close on our home July 23, 2015! Step by step, we were given detailed explanations for everything throughout the entire process. The housing market in Houston, TX is crazy and our case was unique, but our team of professionals (Steven McGilbray, Brock Green & Antoinette Broussard) took our situation and swiftly got us through the madness! I highly recommend this company!...

CT C. – Pearland, TX | AUG 2015

Steven did a great job in handling the whole process. He is extremely responsive and that was one of the biggest reasons why I chose Guaranteed Rate. He was very prompt and answered all the questions professionally.

Nikhil G. – Katy, TX | July 2015

Steven did a great job. He was helpful and responded quickly when we had questions. He answered our questions clearly and concisely.

Wendell K. – Houston, TX | May. 2015

Steven McGilbray did an outstanding job for us as our loan officer from the very beginning to the very end. If you are looking for excellent customer service, transparency in the process and extremely quick responsiveness to any questions you may have at any time, Steven is your man! He earned our highest praise and he will earn yours as well if you elect to choose him for your new home purchase. I was also impressed with Guaranteed Rate's approach to mortgage lending and the informative...

Victor W. – Houston, Texas | Mar. 2015

We shopped our loan before we chose Steven. He had the best rates, but he was also the most attentive and accessible. We would use him again in a heartbeat!

Cara F.

Steven is very passionate about his service. He is very responsive, flexible and customer oriented. My experience has been very great with Steven and Guaranteed Rate. Our closing was done under 21 days and he could have got it done sooner if required. He was also available during our closing to make sure everything goes smooth and very few lenders do that. 5 stars and Highly Recommended.

Satya K.

Steven and his team were able to close the loan in record time. Thanks!

Sugar Land, TX June 25, 2014

Steven was great. Literally available at all hours on any day to answer our questions by phone or email. Extremely prompt. He made our first home purchase really easy and he tried to take as much of the anxiety out of the process as possible. Really great guy.

A Satisfied Customer

Steven, it was a pleasure working with you and your team and I am happy that I decided to finance the home through you guys. Even though, for now we shake hands and move different ways, I shall try to stay in touch with you. Good luck to you and family and wish the best.


I was extremely satisfied! Steven was attentive, thorough and patient with us. He also kept us abreast of the rates and consistently tried to make the deal better for us. He matched any competitive rates where he could and explained the process fairly thoroughly!

Osama K. -- Houston, TX 6/30/2014

Steven and his team, Judi and Christopher, are very professional, organized and very diligent. Cannot be more happy to have chosen Steven as my loan officer. Very professional, dignified, patient and extremely helpful. Steven personally makes sure that he attends all of his closings and he kept his work by attending ours. Really appreciate the effort. My interaction with Steven. Extremely impressed!

Navneet P.

Steven knows his job very well.He makes the lending process to go smoother from start to finish. I will pass this recommendation to all my friends to work with Guarantee Rate. He is very amicable and always has a smiling face. I respect him from the bottom of my heart. Our closing was beyond my expectation, preformed so quickly along with a very well refined closing process. I am so happy.

Zufan F. -- Houston TX 3/3/2014

Steven and his staff, especially Judy, answered all our questions and were so helpful. Judi went beyond the call of duty when a difficult situation arose around our closing (which was not the responsibility of Guaranteed Rate)

House Buyer -- Katy, TX 12/31/2013

We found Steve a very energetic, straightforward and and honest person to work with for our home loan. Always reachable, he even picked up the phone after evening hours. He gave us a competitive rate and the process of loan approval was as smooth as could be. Steve certainly has our strong recommendation for the home mortgage loan.

House Buyer -- Sugarland, TX 2/8/2014

Not only did Steven beat everyone on price, he ran circles around everyone on communication. 11pm emails were returned. Saturday morning conversations were held. At closing, he's there in case a last minute hiccup happens. Working with him was beyond a pleasure, it was a privilege. And Judi, his counterpart, was fiercely on top of everything that needed to be done.If you're in the market for buying a home, obligate yourself - your financing and peace of mind will thank you later.

House Buyer -- Richmond, TX 2/25/2014

Steven was really professional, and really fast. He came strongly recommended and I second the recommendation. He turns around loan paperwork as fast I think possible. And explains it all succinctly.

House Buyer from Spring Valley, TX

Steven got us the best deal and was available anytime day or night to answer questions. Also he got us ready to close in just over a week in a painless process.

Buyer from Sugar Land, TX

Steve was fantastic to work with. Being first time home buyers, my husband and I were new to the process and a little intimidated by the lending experience. However, Steve explained everything and was easy to get a hold of if we had questions. His whole team is exceptional and I wouldn't hesitate to recommend him to a friend or family member.

Townhouse Buyer from Houston, TX

Steven and his staff, especially Judi, answered all of our questions and were so helpful. Judi went beyond the call of duty in helping us when a difficult situation arose around our closing (which was not the responsibility of GuaranteedRate.)

House Buyer from Katy, TX

We were getting ready to close with a different lender and they did a bait and switch, we were referred to GR, he was great, in one day he had sent me something explaining everything, we closed withing three weeks. He delivered on what he promised and was very professional. Closing money was $11,000 less than what we thought we were going to have to pay and the rate was lower!

Rachel Elizabeth Butler

“Steven and the Guaranteed Rate team exceeded my expectations with their dedication and professionalism. From the outset, they got me better rates and lender credits and closed the loan faster than the other institutions. I felt that Steven was committed to my cause all throughout my process. The lines of communication were always open and Steven was always available to provide updates and coordinate with other team members to ensure seamless delivery. I high recommend Guaranteed Rate!”

Akin A. – Cypress, TX – 7/2013

“Steven closed my loan from start to finish within 2 weeks. He set realistic expectations upfront and carried them out with vigor. He always replied to my phone, email and text messages within minutes. Steven was humble, tolerant and kind throughout the entire process. I watched in awe time as Steven put his heart, mind, intellect and soul into even the smallest things. His enthusiasm truly moves the world!”

Syed R. – Sugar Land, TX – 8/2013

“Steven did an amazing job walking me through every step of the mortgage process. As I am a first homebuyer, he was able to explain everything to me and keep me on target. I had less than a month to close on my house and Steven kept everything organized for a successful closing. Thank you, Steven!”

Kristen A. – Houston, TX – 9/2013

“Steven is one of the hardest working people I have ever met! Thank you so much to Steven and Guaranteed Rate!”

Aria S. – Houston, TX – 9/2013

“Steven is a very professional individual. He got through the loan paperwork in no time. He was very prompt and was available almost 24 hours a day to answer our questions. We were amazed that we got a response from one of our emails at 11 PM within minutes. We are very thankful to him and his team!”

A. Kumar – Richmond, TX – 10/2013

“I was very impressed. Steven worked day, night and weekends to complete my purchase. I was so glad that he communicated directly with my representative and the title company. This was a very seamless process and Steven is a perfectionist! We got our loan and closed all within 15 days.”

Stacy S. – Houston, TX – 10/2013

“Extremely satisfied! Steven McGilbray and his team walked us through the process every step of the way. They were always prepared and able to answer any questions I had. Everybody told me I was crazy when I told them we were closing in 2 weeks. Steven gave me a list of documents to get together and I did it. 2 weeks later I'm in my dream home! This is the only way to buy a house these days. I am telling everyone about Guaranteed Rate even if they're not buying a house!”

Chris J. – Houston, TX – 10/2013

Special thanks and recognition to Steven McGilbray for his sincere helpfulness, diligence and professionalism throughout the entire process all the way to closing. He is truly exceptional.

Bonifacio I.

Everything went smoothly, there were no redundant requests for information and Steven McGilbray ensured that I clear on the expectations from the get go. Steven McGilbray is a rock star! He worked with me and the other members of the team to ensure all promises were kept and made this a totally painless first time purchase for me. He was available at all times and I'm really impressed by his professionalism and commitment to customer satisfaction. Phone calls and emails were answered in a very...

Akinkunmi A.

Steven was very responsive in tracking the rates and locking everything in and get the process moving. Steven was great to talk to and very knowledgeable. This is my 2nd loan with Guaranteed Rate although not with the same person. I felt Steven worked to earn the business and stayed on top of things.

Nuo T.

It was a pleasure working with the Guaranteed Rate team. Competitive pricing and the closing process was very easy. Steven McGilbray is very experienced, proactive and able to resolve any problems quickly. He was available late evenings and weekends that helped tremendously. Will definitely use Steven, again and recommend to everyone.


Steven McGilbray helped us buy our first house a couple of years ago. Rates being low, we contacted Steven along with others to compare. We decided to go with Steven and Guaranteed Rate, they did a fantastic job. Highly competitive rate closed in under 30 days. Steven’s team of Christine and Christopher helped achieve our refinance goals. Professional and excellent at communication great experience, whether protecting my online security or being proactive providing updates. I would not...


It was a pleasure working with Steven McGilbray and Guaranteed Rate on our recent mortgage refinance. Steven provided upfront information about rates, and options and what to expect from the process. I proceeded with Guaranteed Rate at a surprisingly lower rate that other lenders could not offer. Steven was helpful, answered all questions and really made himself available. In the end, the loan closed more quickly and expediently than I expected, based on previous experience with other...

R. Song

As a consumer, I was very satisfied by the excellent customer service and information I was provided during my recent refinancing of my home. I worked with Steven McGilbray and his assistant Christine Medina, both of whom were very professional throughout the entire escrow process. They even allowed me to complete the closing at my place of work, so as not to inconvenience me with having to make an extra trip out to some title office. I highly recommend this Chicago-based lending company to...

Brian C. - Chicago, IL 9/2012

About Steven

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!

Steven interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage business since 2001. I’ve always loved helping people and this was another way for me to help people achieve their dream of becoming a home owner, whether a first time homebuyer, investment property to buying a vacation home or refinancing.
What specific steps do you use to help your customers find the best home loan for them?
I listen first, then educate and explain the best loan options based on my client's goals for financing the purchase of a new home. My process is designed to help them make an informed decision.
Tell us about a mortgage product that consumers may not be aware of?
Guaranteed Rate's 3-2-5 down payment assistance program assists consumers who can put down 3% of a home's purchase price by providing them with an additional 2% grant that can be applied toward closing costs or keep the cost of their loans down.
How has the mortgage industry changed since you started, and what would you expect in the future?
Times have changed since I joined the mortgage industry, between the mortgage melt down a few years ago and days of no down payment no documentation loans. Today depending on the loan type VA and USDA loans offer no down payment loans. FHA requires 3.5% down payment while conventional loans require as little as 5% down. The guidelines and credit score requirements have tightened simply put the lenders are asking for more documentation and better credit scores. I expect more changes will come and that\'s a good thing for the consumer today we see more transparency and competitiveness among banks.
What 2 or 3 mobile apps would you recommend for home buyers or house hunters, and why? What Smart Apps do you recommend your customers use for the house hunting process?
My personal mortgage app that links to my Guaranteed Rate home page and allows clients to apply online, check rates at anytime and learn about the mortgage process and what to expect. I would also suggest the Redfin app for consumers looking to purchase a home. Redfin offers awesome technology when it comes to the real estate industry.
What can borrowers do to insure a smooth mortgage underwriting process?
The process of getting a new mortgage can be overwhelming, to many borrowers. To insure a smooth mortgage underwriting process be prepared and ask questions. Avoid opening new credit card accounts and buying big ticket items before closing on your loan. Having recent credit activity will send a warning flag you want to avoid this it can keep you from qualifying. Always provide accurate information during the loan application process be as detailed as possible with your answers. After your loan is pre-approved it\'s time to provide required supporting documents things like income, assets, employment history, and housing or rental history. The underwriter will want to verify all conditions before giving final approval and closing on a loan. Following these steps will insure a smooth mortgage underwriting process and overall experience.
Are you active in any local associations or community groups, and at what level? What goals and/or success have you helped these groups achieve?
I grew up in Houston with one brother. I enjoy helping others spending time with family and friends, reading, traveling and working out in my spare time. I also like watching and attending sporting events in my community and professionally.
What provides you with the most satisfaction in your job as a Loan Officer?
I'm happy to be part of the home buying process with my clients. It's a great feeling knowing that I played a part which is something I don't take for granted.
Tell us something that makes you unique or something wacky, yet interesting about you?
I do my very best to attend all of my closings to support my clients.

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