Realize Your Dream of Home Ownership

Welcome to Mortgage Disrupters! We're your Texas home loan experts dedicated to making sure your purchase or refinance experience is top-notch.

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Estimate Your Mortgage Payment

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What's Your Home Worth Today?

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Real Customer Experiences

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CURRENT TEXAS

MORTGAGE RATES

Current Texas

Mortgage Rates

Credit profile: 680-740 • Source: Zillow / fallback estimate

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Mortgage Disrupters to receive a personalized rate for your specific situation.

Mortgage Disrupters Texas

Mortgage Payment & Affordability Calculator

Estimate conventional, FHA, VA, refinance, and affordability scenarios. Built for quick buyer conversations, Realtor partner strategy, and website lead conversion.

Faith + Action + Homeownership

Conventional Loan Estimate

Car payments, credit cards, student loans, personal loans, etc.
Texas varies by county/city/school district. Edit as needed.
Only applies when conventional LTV is above 80%.

Meet the Team

  • A smiling man with a beard and bald head talking on a mobile phone outdoors, wearing a blue blazer and white shirt.

    Richard Kirby

    CEO /BROKER PARTER

  • Portrait of a smiling African American woman with long curly black hair, wearing a black blazer and a beige blouse.

    Roderica Goss

    MORTGAGE LOAN OFFICER

  • A close-up portrait of a serious African American man in a black suit, white shirt, and black tie, looking slightly to the side with a neutral expression.

    Tonius Frank

    LO/BROKER PARTNER EXECUTIVE

  • A promotional graphic for MD Mortgage Disruptors featuring a blue parrot with green eyes and the text 'Coming Soon'.

    Kemily Miller

    MORTGAGE LOAN OFFICER

  • A woman smiling, wearing a bright blue top and red lipstick, with shoulder-length black hair styled in loose waves.

    Athena Jackson

    CLIENT CONCIERGE/ LOA

  • A professional woman with long, wavy brown hair and makeup, wearing a black blazer and white blouse, smiling in an indoor setting.

    Kelly Mondy

    TRANSACTION COORDINATOR

  • Portrait of an African American man with a beard, wearing a light gray suit, white shirt, and blue tie, smiling against a gray background.

    Siddhartha Lansiquot

    MARKETING DIRECTOR

  • Professional headshot of a woman with long black hair, wearing a gray blazer over a black top, against a dark background.

    Samantha May

    DIGITAL ADS MANAGER

  • "I cannot say enough incredible things about Richard Kirby and the way he handled my home buying process. From day one, Richard was professional, knowledgeable, and completely on top of everything. He made what could have been a stressful experience feel smooth and manageable. He was always accommodating — whether it was answering my endless questions, or walking me through every detail so I felt confident in my decisions."

    — Brittany Alexander

  • Dear Mr. Tonius Frank, We are writing to convey our deepest appreciation for your exceptional guidance and support during our recent home-buying journey. This is not the first occasion where your professional assistance has proven to be profoundly beneficial to our family; your consistent dedication and expertise have been invaluable to us over time. You expertly navigated us through what could have been a complex process, ensuring that the entire experience felt remarkably seamless and entirely stress-free.

    — Comp Guardz

  • "Working with this mortgage company was an exceptional experience from start to finish. Their team was knowledgeable, responsive, and truly committed to helping me secure the best loan option for my new home. Every step of the process was explained clearly, and they made sure I always felt informed and supported."

    — Keisha Parker

  • "I had an amazing experience working with Mortgage Disrupters and Richard Kirby to finance my home. Richard was professional, responsive, and genuinely cared about helping me find the best loan option. He made the entire process smooth and stress-free, explaining everything clearly and keeping me updated every step of the way."

    — Reggie George

  • " As a first-time homebuyer 11/23/2022, I was nervous about the entire process and didn’t really know what to expect. Tonius Frank, also known as The Mortgage Wizard, made everything so much easier than I ever imagined. From the first phone call, he was patient, knowledgeable, and truly took the time to explain every step in a way I could understand. Tonius kept me informed the whole way through and was always available to answer questions — even the small ones. What really stood out to me was how he broke things down clearly and helped me feel confident in my decisions. He genuinely cared about making sure I got the best loan option for my situation, not just closing a deal."

    -Keidral L. Smith

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