PBJ Mortgage
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Michael Backes- Managing Partner NMLS# 620907
Since I was young I wanted to be a Marine. My service to my country was the greatest joy in my life and when I was medically discharged, I wanted to put that passion and honor into still serving others. After my personal mortgage process went poorly, I decided my next way to serve was become an expert at mortgage. I have spent the last 17 years puttin
Stop Carrying Financial Shame That Isn't Yours
If your ex handled all the finances, it's not surprising you feel overwhelmed now. You can't be expected to master information you were never given access to.
👉 DM CLARITY if you're ready to understand your finances without shame.
Have questions about buying a home or your loan options?
Book a strategic call with our team here:
https://tidycal.com/team/pbjteam
07/11/2026
“VA jumbo” feels the same as a regular VA loan, until divorce hits.
We see it cost money when the loan choice depends on what you’re doing with the home: keeping it vs. structuring the buyout/release plan. Same eligibility box checked, different payment reality.
PBJ Mortgage simplifies the decision into a clear roadmap you can take to your attorney, so you’re not guessing which path protects your future (and your monthly payment).
Schedule a virtual meeting or call 469-373-3107.
07/10/2026
“I thought I had two choices… keep the house or start over.”
That’s the moment we slow everything down at PBJ Mortgage. Divorce can turn every decision into a panic spiral, so we ask the one question that cuts through the overwhelm: who’s actually eligible for the VA jumbo benefit after the split?
Then we map the cleanest path—keeping ownership when it makes sense, or planning a clean separation when it doesn’t—without creating a mortgage mess later.
If you’re weighing “keep vs. split,” we’ll build a PBJ-style roadmap with next steps you can act on this week.
Schedule a virtual meeting
07/08/2026
You’re not “choosing housing.” You’re choosing a timeline.
We see it with veterans all the time: the rent number looks easy until move date, household size changes, and the real world costs (escrow, HOA, maintenance) start stacking up.
So here’s how we help in about 15 minutes: we map your next 3 moves on paper (move date + who’s living with you + what usually shifts in escrow/HOA/maintenance). Then we test two scenarios side-by-side:
VA/jumbo buy payment vs. what renting would likely do.
Same lifestyle, same calendar—one grounded decision instead of a guess.
Get our free budgeting tool: https://fms.tips/
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Website
Address
Austin, TX
75072
