Today we’d like to introduce you to Justin Padron.
Hi Justin, so excited to have you with us today. What can you tell us about your story?
I started in the mortgage business in October of 2017, but my path here was anything but traditional. Before that, I spent years in the financial advising world — first working one-on-one with individuals, then serving municipalities. I loved helping people with their finances, but the role kept me on the road constantly. When my wife and I were expecting our first child, we knew something had to change. I wanted to build a career that would allow me to be present at home, while still leveraging my passion for numbers and finance.
That’s when my wife, who was a title attorney at the time, suggested I look into becoming a loan officer. It was the perfect blend of two things I cared deeply about: finance and real estate. I took the leap in 2017, and I’ve never looked back.
What started as a career change has turned into a calling. Over the past several years, I’ve been able to help families not just buy homes, but create a plan for building lasting wealth through real estate. Along the way, our mortgage branch has grown into one of the top-producing teams in the country, and my wife and I are now building our own real estate portfolio while raising three amazing kids here in Southlake.
At the heart of it, my story isn’t about mortgages or transactions — it’s about people. Whether I’m coaching my boys’ baseball team or walking a family through their first home purchase, I see it as the same mission: to coach, encourage, and help people win. My faith keeps me grounded in that purpose, and my family keeps me motivated to give my very best every day.
Can you talk to us a bit about the challenges and lessons you’ve learned along the way. Looking back would you say it’s been easy or smooth in retrospect?
Absolutely not — the road has been anything but smooth. In this business, you quickly learn that the only constant is change. Since starting in 2017, we’ve navigated COVID, record-low 3% interest rates that fueled a frenzy, and then the sharp turn into 7% rates paired with inflation and market uncertainty. Each season has required us to adapt, refocus, and stay grounded in our mission.
One of the most significant challenges came earlier this year when we transitioned to a new parent company. That meant brand-new software, brand-new systems, and, at the same time, two of my key team members were promoted into new roles. It was like changing the tires on a moving car — while driving uphill. There were moments of frustration, moments where it felt like we were starting over.
But those seasons are where growth happens. We doubled down on communication, leaned on our values, and reminded ourselves why we do this in the first place: to guide families through one of the most important financial decisions of their lives. It wasn’t easy, but navigating those challenges has made our team sharper, stronger, and more committed than ever.
Great, so let’s talk business. Can you tell our readers more about what you do and what you think sets you apart from others?
Our business is built on a simple belief: buying a home should feel empowering, not overwhelming. We’re a mortgage advisory team that helps families navigate what is often the biggest financial decision of their lives with clarity, confidence, and peace of mind.
We specialize in working with first-time homebuyers and move-up families who want more than just a loan — they want a plan. Instead of tossing out rates and jargon, we sit down, listen to their goals, and design a personalized strategy that aligns with their finances, their family, and their future. For some clients, that means getting them “mortgage ready.” For others, it’s mapping out how to use real estate as a tool to build long-term wealth.
What sets us apart is our coaching approach. I don’t see myself as just a loan officer — I see myself as a coach, much like I am on the sidelines of my kids’ baseball and football teams. My job is to encourage, equip, and guide families through each step of the process so they feel supported and never blindsided.
What I’m most proud of, brand-wise, is the trust we’ve earned. Our clients know we’re not just trying to close a transaction; we’re committed to their bigger picture. They feel cared for as people, not just borrowers. At the end of the day, I want families to look back on their homeownership journey and say, “That was the team that helped us do this the right way.”
So, before we go, how can our readers or others connect or collaborate with you? How can they support you?
The easiest way to work with me is to reach out directly. If you’re buying your first home, moving up, or exploring how real estate can be part of your wealth-building strategy, my team and I would love to sit down with you, answer your questions, and create a game plan that fits your life.
For Realtors, financial advisors, and other professionals, collaboration is a huge part of how we serve. I enjoy partnering on strategic workshops, client education events, and referral relationships that add value to the people we serve together. When we align around helping families make smarter financial and real estate decisions, everybody wins.
And for those who simply want to support us, the best way is often the simplest: introduce us to a friend, family member, or colleague who could benefit from clarity and confidence around homeownership. Every introduction gives us the chance to impact another family’s story for the better.
At the end of the day, I see myself as a coach, not just a lender. If you’re looking for someone to help guide you through your next step — whether it’s buying, refinancing, or investing — we’d be honored to walk that journey with you.
Contact Info:
- Website: https://www.padronloans.com
- Instagram: @padronloans
- Facebook: https://www.facebook.com/PadronLoans
