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Get the home of your dreams at a rate you can afford — we specialize in helping people all over the State of Texas experience the joy of homeownership. Choose from a variety of financing options, or let us help you find the one that’s right for you. In addition to a competitive rate and flexible terms, you’ll enjoy prompt and friendly service from our local mortgage professionals. Start the process online today!

Key Features

  • Variety of Financing Programs
  • Competitive Rates
  • Refinancing Available
  • Excellent Service
Mortgage Team

Leigh Fowler

Leigh Fowler of Houston, Texas has over 22 years of business experience. She has been recognized for her integrity, communication skills, thoroughness, follow-through, and outstanding client satisfaction.

Leigh is an energetic and consistent leader with a strong work ethic — and is passionate about helping clients make well-informed decisions that ensure the highest levels of their success.

She is a Class of 1997 graduate of Texas A&M University, married to Fritz Fowler, and has three wonderful daughters. Leigh is also active in her children's school, the Junior League of Houston, and the Houston Livestock Show and Rodeo. Leigh is truly grateful for the opportunity to serve as your home mortgage consultant. 

Leigh Fowler is available to discuss your home loan financing needs by phone at (713) 817-8025.

Susan Casely-Hayford

In addition to her experience in real estate/mortgage services, Susan has 13 years of experience working in various departments of the financial services industry such as banking center operations, consumer lending, customer support and accounting.  Her talents and tenure make her uniquely suited to guide your home buying journey.  Her customer centric approach helps to ensure a stress free experience from pre-approval of your loan, all the way to closing.  You’ll enjoy great, trustworthy and prompt service, and can count on a long-term relationship for all of your home financing needs!

Susan has an Associate of Arts in Business Administration from Del Mar College in Corpus Christi and is an inducted member of the National Society for Leadership and Success (Sigma Alpha Pi).  Susan has one wonderful daughter and two cats that are at the center of her heart.  In her spare time, she enjoys traveling, cooking/baking and she also volunteers as a youth leader teaching and mentoring kids grades 1st through 5th at Church Unlimited in Corpus Christi.

Partner with Susan Casely-Hayford today for your home loan needs; Call (361) 834-2268.

Victoria Gutierrez

With over 22 years of experience in the financial services industry, Victoria Gutierrez, is ready to help you realize your dreams of home ownership.  If you are ready to buy a home or already own one and are exploring refinancing options, let her guide you through the process.  As a Corpus Christi native, Victoria leverages her intimate knowledge of the local housing market to identify the best mortgage to meet your home buying needs – including Interim Construction, Conventional, and FHA loans.

Her cooperative approach and drive to meet customers’ needs has been deeply rooted through her many years of experience in personal banking with Kleberg Bank.  These values guide her work as she strives to create a welcoming environment and provide you with a thorough understanding of the loan process.

Victoria Gutierrez looks forward to earning your lifetime loyalty!  She is available to discuss your home loan financing needs by phone at (361) 851-5820.

Linda Perniciaro

Linda is passionate about building personal wealth through real estate ownership. Having purchased her first property in her 20’s, she found she did not qualify for a traditional mortgage. Without being deterred, she purchased her first property by credit card! She brings this same high level of determination to provide an exceptional customer service experience.  Linda uniquely collaborates with each client to analyze, educate, and best customize options aligning with their personal short term and long-term financial goals.  You can trust Linda to be highly accessible and communicative during each step of the mortgage process. 

Linda grew up in Vietnam, Zaire, Africa, Scotland, Texas and Saudi Arabia.  She attended boarding school in Florida and is a graduate of the University of Florida.  Linda currently resides in the Memorial area of Houston, Texas with her husband of 17 years and four wonderful children. 

Linda enjoys volunteering throughout the community having served at Briargrove Elementary PTA, Bunker Hill Elementary PTA, Vandergrift Viper Lacrosse, Second Baptist School, Memorial Boy's Lacrosse Board, Memorial Mom's Association, National Charity League, and The Source for Women.  

Linda Perniciaro is available to discuss your home loan financing needs by phone at (281) 636-0705.

Carlos Reyna

Carlos Reyna, Kleberg Bank Assistant Vice President, and Private Banker has over seven years of experience in the banking industry.  He has held various roles throughout the Bank including Private Banking and the Banking Center Group.  Carlos' primary motivation is providing customers with exceptional service and going above and beyond to help them achieve their financial goals.  Unparalleled banking experience is his ultimate goal for every customer relationship. Carlos is a Kingsville resident who takes an active role in the community.

Carlos Reyna is available to discuss your banking or home loan needs by phone at (361) 877-7018.

  • Competitive rates for home purchase, refinance, or construction
  • A wide range of terms customized to your unique situation
  • Variety of financing programs available:
    • First-time homebuyer specials
    • Fixed-rate mortgages
    • Adjustable Rate Mortgages (ARMs)
    • FHA Loans
    • VA Loans
  • Helpful loan advisors with working knowledge of the South Texas real estate market
  • Pre-approval for extra confidence when buying your home
  • Refinance your current home to potentially lower your rate
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

Find a mortgage just as stable as your brand-new home with our fixed rate mortgage loan options. Buying a new home is one of life’s milestones, but it can come with some stress. Our close-knit mortgage team will help to alleviate this stress by guiding you through the home buying process, step by step.

  • Interest rate will not increase over time
  • Consistent monthly payments
  • Simplifies budgeting
  • First-time homebuyer specials available
  • 15 and 30-year terms available
  • Local decision-making in South Texas
  • Personal attention and service

Working your way towards a higher salary but ready to purchase a home now? An adjustable rate mortgage (ARM) is a good option because it provides greater buying power and lower monthly payments up front. After a pre-set period, the interest rate can then adjust annually, so your monthly payments will likely rise. Speak with your personal Kleberg mortgage specialist to determine if an ARM is right for you. 

  • Increases buying power
  • Lower monthly payments initially
  • After initial term, re-pricing will occur annually
  • Local decision-making in South Texas
  • Personal attention and service

Acheiving the dream of home ownership should be within everyone's reach. Federal Housing Administration (FHA) and Veterans Administration (VA) loans require little or no money down. They have easier qualifications than a traditional mortgage, so everyone can have the opportunity to own their own home — at a rate they can afford.

FHA Loans

  • Easier to qualify
  • FHA regulates closing costs
  • Lower down payments
  • Gifts can be used for down payments/closing costs
  • FHA loans have a lower FICO requirement than conventional loans
  • Fixed rate or ARM available
  • Local, personal attention throughout mortgage process
  • Maximum income requirements to be eligible

VA Loans

  • Must be a veteran to qualify
  • Little or no down payment
  • Fixed rate or ARM available
  • Easy to apply
  • Local, personal attention throughout mortgage process

We know you love your home — but we also know you would love a lower monthly payment. Take advantage of low interest rates by refinancing your existing mortgage. You can lower your monthly payments or shorten your term to get your home paid off faster. Cash-out options are also available, so you can receive funds to use now by adding to your principal.

  • Lower your monthly payments
  • Shorten your term
  • Switch from an ARM to a fixed rate
  • Use cash-out option for immediate funds 

Is Refinancing for Me?

There are fees associated with refinancing that must be weighed against the savings over your existing mortgage. The easiest way to determine if refinancing is right for you is to compare the closing costs of refinancing to how long it will take you to break even on those costs with the lower monthly payments. If you will live in the house longer than this break-even point, refinancing might be right for you.