Meet Joel Cuellar
Your mortgage lender. Your neighbor. Someone you can talk to.
I'm Joel, a mortgage professional with City First Mortgage here in Austin. I've been helping people navigate home financing since 2000, and I believe you deserve to understand your options and feel comfortable asking questions before making a decision this big.
Maybe you're buying your first home. Maybe you need more room, you're exploring an investment property, or you're wondering whether buying is even possible right now. Wherever you're starting, I'd like to hear your story.
A little about me
Outside of work, I'm a father of three adult children and a proud grandfather to a granddaughter. Family is a big part of my life, and my faith helps keep me grounded.
Outside of family and work, I enjoy staying active and getting a good workout in. It's time I set aside for myself to clear my head and recharge.
I also enjoy baseball, so if our mortgage conversation takes a brief detour into the game, you'll know why.
I'm proud of my Latino heritage and speak both English and Spanish. If you or your family feel more comfortable discussing your home purchase in Spanish, we can do that.
How I approach your mortgage
Before we talk about a loan program, I want to understand what you're trying to accomplish. What would a comfortable payment look like for you? What's your timeline? What concerns do you have?
Those answers matter. They help us build a plan around your life.
Over the years, I've learned how valuable it is to ask the right questions early. Taking time to understand the details upfront gives us a better chance to address potential obstacles before you're under contract and watching the calendar.
We don't guess, we game plan.
For me, that means reviewing your situation carefully, explaining your options, and making sure you know the next step.
What you can expect from me
You can expect straightforward conversations and room to ask questions. You don't have to know the mortgage terminology. Explaining it is part of my job.
If something needs attention, I'll tell you. If we need to adjust the plan, we'll talk through it. I won't promise an outcome before we've done the work to understand what's possible.
And if you're not ready to buy today, that's okay. Our first conversation can simply be about where you are and what it may take to get where you want to be.
Let's talk about what's next
You don't need to have everything figured out before reaching out. Bring your questions, your goals, or even your "I'm not sure where to start."
We'll start there.
Joel Cuellar
City First Mortgage
Helping homebuyers in English and Spanish.
Equal Housing Lender