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Your trusted mortgage advisor — guiding you from pre-approval to keys in hand.

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Services & Loan Programs

Purchase

Refinance

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Investing

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Meet Chris Peña

Hi, I’m Chris — your local mortgage loan advisor. I work under L and Z Financial Services to help everyday Texans finance their dream homes with clarity and confidence. Whether you're buying your first home, refinancing, or using your VA benefits — I’m here to guide you, step by step.

Customer Reviews

“Chris made everything smooth — he broke things down step by step and got us closed ahead of schedule!” — A.S., Temple, TX

"Highly recommend Christopher for his expertise and professionalism." - R.S., Temple, TX

"Excellent service! Christopher made the loan process seamless."- M.M., Corpus Christi, TX

"Thank you Christopher for helping us refinance our home at a lower rate."- C.M., San Antonio, TX

Let's Talk Loans

Location

Hours

Based in Central Texas Region

Mon-Fri 9am-5pm

Sat - 9am-12pm

📍 Texas-based and veteran-friendly

✅ Personalized loan guidance

📲 Always just a text away text here...

Email: cpena@landzfinancialservices.com

Phone: (254) 425-2384

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Stay Connected with Us

Chris Peña | Mortgage Loan Originator | NMLS #2496299

Loans originated through L and Z Financial Services | NMLS #2309952

Texas Mortgage Company License, NMLS: 2309952

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV .

THIS DISCLOSURE WAS DELIVERED TO THE CONSUMER VIA OUR WEBSITE.