Hi, I’m Adam Cato, mortgage professional with a proven track record of helping clients achieve their homeownership and investment goals. Whether you’re a first-time homebuyer, seasoned investor, business owner, active duty or veteran, I specialize in crafting tailored loan solutions to meet your unique needs.
With extensive experience in originating complex loans, I’ve successfully navigated the conventional, FHA and VA financing options as well as non-QM financing for business owners, hard money loans, and property-focused loans that scrutinize the asset rather the borrower. My expertise ensures that even the most intricate financial scenarios are handled with precision and care.
If you are a real estate agent, I understand how critical it is to get loans funded on time and keep transactions running smoothly. I’ve worked with countless real estate agents to navigate complex deals and ensure their clients cross the finish line.When you partner with me, you can trust that your clients will receive top-tier service and that I’ll do everything possible to make the process seamless for everyone involved.
My approach is simple: I combine deep industry knowledge with a commitment to transparency and personalized service. Whether you’re buying your first home, expanding your investment portfolio, or exploring unique financing options, I’m here to guide you every step of the way.
Let’s work together to make your homeownership journey seamless and successful. Contact me today to get started!
Adam Cato has successfully guided clients through rising-rate markets, falling-rate markets, and everything in between—bringing steady, informed advice regardless of conditions
On a personal note, Adam is newly married to his wife Katherine. They spend their free time dancing to salsa and practicing Brazilian jiu jitsu together. They also volunteer at orphanages in Tijuana, MX with an organization called Amigos 2 Familia. We are blessed to live in a country with incredible wealth and in fact we don’t know how lucky we have it in America until we see what kinds of conditions those in other countries live in. These orphans have so little and every little bit helps them. Please consider donating to Amigos 2 Familia today by visiting here or better yet! Come join us on our next trip!
Shelby Pennix approaches every client relationship with the same philosophy that has guided his career for 25 years:
Put the client first. Treat every loan like it’s your own. And never forget the human side of homeownership.
If you’re looking for experience, transparency, and a lender who truly understands both the numbers and the emotions behind your decision, Shelby would be honored to help.
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