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Homeownership: Your Dream, My Mission

Empowering your journey to a dream home with personalized, expert mortgage guidance every step of the way.

Mark Thomas Mortgage Advisor
Mark Thomas Mortgage Advisor

Homeownership: Your Dream, Our Mission

Empowering your journey to a dream home with personalized, expert mortgage guidance every step of the way.

Your Dream Home Journey Starts Here

Empowering Dreams Through Real Estate for Over a Decade

My journey in the real estate and finance industry spans 10 transformative years, granting me comprehensive experience across all types of residential and commercial properties in multiple states. Having had the privilege of working with amazing individuals and families all the way up to top-tier hedge funds, builders, and major corporations, I’ve also experienced the challenges and rewards of entrepreneurship firsthand. As a former student-athlete, I appreciate the discipline, teamwork, and competitive spirit required to excel. Even though I jokingly call myself a ‘wannabe’ athlete and a hopeless golfer today, my love for outdoor activities remains.

My true passion, however, lies in demystifying the complex real estate system for my clients, assisting them in navigating their path toward achieving their goals. I’m also an active participant in the Dallas-Forth Worth community and children’s charities, firmly believing in giving back to the neighborhood that has given me so much. I love Texas and will use my expertise and unwavering commitment to turn your Texas dream home into a reality.

Personalized services you can trust.


Personalized Property Ownership Strategies

As a property owner and landlord myself, I don’t just theorize – I share proven strategies that I personally employ in my business. Let me help you turn property ownership from a daunting prospect into a rewarding experience.

Navigation Expertise

Buying and owning real estate can seem like a labyrinth of rules and regulations. with my inside understanding of the system, ill guide you-turning potential pitfalls into beneficial opportunities.

Swift and Effective Closing

Time is of the essence in real estate dealings. My ability to close transactions swiftly, while overcoming any potential obstacles, ensures you meet your short-term objectives without sacrificing long-term goals.

Open Communication

As your advisor, I’m just a call or click away. I pride myself on being easy to reach and quick to respond, because your peace of mind is my top priority.

Attention to Detail

The smallest details can make the biggest difference in a deal. My meticulous approach guarantees that no aspect is overlooked, leading to smooth transactions and satisfied clients.

Savings-First Approach

With a keen eye for identifying savings opportunities, I’m always looking for ways to save you money. Rest assured, your financial health is always at the forefront of my service.

Dallas-Fort Worth Mortgage Client Testimonials

Kyle SmithClient

Mark was attentive to my needs and extremely knowledgeable throughout the entire homebuying process. He kept my family and I informed about the interest rate landscape and fought to get us the best deal when building our new house. I would highly recommend Mark to any new or returning homebuyer looking for a trustworthy (and low-stress) buying experience!

Ploy NguyenClient

We definitely recommend working with Mark. He’s very knowledgeable, moves quickly, and very friendly. He was also very responsive and goes above and beyond to answer our questions. Love the personable walkthrough videos that he made for us. He came to our closing meeting even when he had another meeting to go too. He’s been such a wonderful person to work with and will definitely recommend him to our friends and family. Thank you Mark for being there for us on our first time home buying journey!

Rawan JeffersonClient

I’m not one to leave reviews but for Mark’s exceptional service, I had to! We’re first time homebuyers and Mark has been very communicative throughout the entire process and approachable when questions arise. He sent out videos breaking out the finances in detail and took the time to reach out to us to make sure we understood the journey we were about to embark. He was very understanding of our situation and once the process started, his turnaround time on letters for offers … See more

Ted TiagaClient

Mark and PenFed gave us an advantage in the housing market by having us underwritten before our offer was made. The process was clear, and all questions we had where answered promptly! I highly recommend Mark. It was as absolute pleasure and seamless experience.

William Henscheid

Absolute 5 star experience! Mark is very knowledgeable and thorough. He operates with stellar communication and professionalism. I highly recommend working with Mark.

Christine Devaney

Mark worked hard on getting me approved for my home. Excellent communication along the way.

Tanner Fleshman

Awesome place to work with. Mark and Trey and the whole team at Stillwater’s lending did an incredible job! Thank you!!

Vitaly Nesterov

Thank you for your outstanding work! Impressive team of professionals! Highly recommend!

Annie Taliaferro

Mark Thomas is a true professional who stands out with his vast knowledge of the lending process. His expertise and communication goes a step above the rest. I would highly recommend Mark to anyone needing a home loan.

Farath Gonzalez

I would definitely recommend working with Mark. I’m a first time home buyer and didn’t understand the process but he took the time to explain everything in detail and answer all of my questions. He was extremely helpful!

Michelle Wilson

We had an exceptional experience with Mark at Still Waters Lending. He was informative and helpful during the process. We were in good hands and Mark took great care of us.

Alex Hendee Govea

Mark Thomas assisted us with purchasing our first home—Mark was professional, thorough, knowledgable, organized, and made sure everything was taken care of in a timely manner. We would highly recommend him to any new home buyer!

Robert Cron

Thanks to Mark Thomas and his team at Still Waters Lending my Fiancé and I were able to get into our first home! We originally worked with a big named lending company for 3 months and were on the verge of giving up. Thankfully our realtor referenced us to Mark and within 2 months we were closing on our home! Mark was able to work within the financial goals my fiancé and I had set as well as being helpful with ALL the questions we had. With all the stresses that come with house hunting it was relieving to have such a hard working team on our side throughout the process. Can’t recommended Mark and the Still Waters Lending team enough!

Cutler Ruby

Great experience, Mark was knowledgeable, helpful, and diligent.

Muad Mused

Mark Thomas was very helpful and great to work with.

Secure Your Dream Home in The Dallas-Fort Worth Area Today!

Get in touch with our expert mortgage brokers who can help you navigate the complex home loan process. Fill out our quick contact form NOW and let’s get started on making your homeownership dreams a reality. Remember, the Dallas-Fort Worth are real estate market waits for no one. Act Fast!

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Mortgage Loan FAQs

What credit score do I need?

We can go as low as 500 credit score for certain situations.

How many years tax returns do I need from my business?

Most lenders will tell you 2 years are required. As a broker and Advisor we have more solutions that require less.

Do we provide down payment assistance?

Yes. We have many options for helping clients save money out of pocket at closing.

I am switching jobs, how long do I need to wait before getting a loan?

In most cases, we don’t require a waiting period at all and can help you with the transition.

How quickly can you close?

We close fast! We expedite our underwriting process and can close, in some cases, in one week, or as quickly as the situation allows.

Do I have to make a down payment of 20%?

Not if you do not want to. We have many options and strategies for down payment to help keep cash in pocket.

How much do I qualify for?

Everyone is different. We take a custom approach to maximize approval amounts, and meeting budgets, while ensuring a smooth process with no stress. It doesn’t have to be a stressful process.

What type of loans do you offer?

You name it we have it or can find it. We are a broker and can be very flexible. FHA, Conventional, VA, USDA, Non QM.

Do I have to pay for discount points?

We have unique ways of structuring rates to suit clients’ needs. We can even offer our clients wholesale rates, directly from the lender to help get an extra bang for the buck when looking at buy-down options.

Is your underwriting in house?

As a broker, this is a fun question. We are not a large company with many departments. We are small, nimble, and efficient. I speak directly with the underwriters to ensure maximum speed and efficiency during the closing process. We do not have middle management and have very little overhead, saving our clients money.

I don't want to pull my credit but want to see if I can qualify, can you help me?

Yes. As a mortgage advisor, we want to match up results with your preferred timing. We will pull credit when the time is right and best for our clients. We will advise and set our clients on a path to success, whether it is in the immediate future or down the road.