About Gary Caples

I’m a Texas-licensed loan officer with Prodigy Mortgage, a veteran, and a Pflugerville resident with 18 years of experience helping families across the Austin area buy homes, refinance, and build real estate portfolios. My approach is simple: I communicate clearly, stay accessible, and treat every loan like it’s the most important one on my desk—because to you, it is.

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My Story

How I Got Here

With 18 years in the mortgage industry, I’ve guided clients through shifting markets, fluctuating interest rates, and a wide range of financial situations. Over time, I’ve learned that what causes the most stress isn’t the loan itself—it’s the uncertainty that comes from poor communication, unanswered calls, and unexpected issues at closing.

That’s why I focus on clear communication, organization, and accessibility throughout the entire process. My goal is to be the kind of lender I would want to work with—someone reliable, transparent, and committed to making every transaction as smooth and stress-free as possible.

Proud to Serve Fellow Veterans

As a veteran, I specialize in VA loans—one of the most valuable mortgage programs available, offering no down payment, no private mortgage insurance (PMI), and competitive interest rates. While some lenders avoid VA loans due to their complexity, I take pride in navigating them with precision and expertise. I’m committed to helping fellow veterans and active-duty service members fully utilize the benefits they’ve earned, providing knowledgeable guidance and the respect they deserve throughout the process.

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How I Work

Communication First

You will always know the status of your loan. We provide proactive updates at every stage of the process, and when you call or text, you can expect a timely response—typically within a few hours, not days—so you’re never left wondering what comes next.

Clarity Over Jargon

The mortgage process involves complex terminology—such as debt-to-income ratio (DTI), loan-to-value (LTV), private mortgage insurance (PMI), escrow, points, and origination fees. We take the time to explain each component clearly and in straightforward terms, ensuring you fully understand your options and the commitments you’re making before moving forward.

Attention to Detail

Mortgage files involve numerous components, including documents, deadlines, conditions, and verifications. We meticulously track each element to ensure a smooth, on-time closing, with the objective of delivering a seamless process free of unexpected issues.

Honesty, Even When It's Hard

If a loan option does not align with your goals, we will explain why and recommend alternatives. If any issue arises, you will be informed immediately with a clear resolution plan. We value transparency and proactive communication to avoid surprises at closing.

Respect for Your Time

We respect your time. You won’t be asked to submit the same document twice, nor will you need to chase updates. Our process is efficient and streamlined, addressing questions and concerns promptly—often with a single, concise phone call.

Clients We Serve

I work with a wide range of buyers and homeowners across Central Texas. Whether you’re purchasing your first home, moving up, or refinancing, We can provide guidance and solutions tailored to your needs. If our services aren’t the right fit, we’ll let you know upfront.

First-Time Homebuyers

Guiding new buyers through every step of the mortgage process, from understanding loan options to preparing for closing, so they feel confident and informed.

Move-Up Buyers

Assisting homeowners ready for more space or a new neighborhood by evaluating financing options, coordinating timing, and making the transition smooth.

Veterans & Active-Duty Service Members

Helping military clients maximize their VA benefits with expert knowledge of VA loan programs, ensuring they access the lowest costs and best terms available.

Self-Employed Borrowers

Supporting clients with non-traditional income documentation by providing strategies to qualify for financing, accurately assess income, and simplify a typically complex process.

Real Estate Investors

Assisting investors in building and managing rental portfolios, analyzing financing options, and ensuring each property purchase aligns with long-term investment goals.

Homeowners Refinancing

Helping homeowners refinance to lower their payments, shorten their loan term, or access cash while guiding them through a

streamlined and transparent process.

Austin Is Home

We are based in Pflugerville, this loan officer serves the Austin metro area as a local, hands-on professional rather than a remote call center. Serving clients across the region, we bring firsthand knowledge of the communities and a deep understanding of the local real estate market.

Austin

Cedar Park

Round Rock

Pflugerville

Georgetown

Hutto

Leander

Manor

Kyle

Buda

Austin Is Home

Austin

Cedar Park

Round Rock

Pflugerville

Georgetown

Hutto

Leander

Manor

Kyle

Buda

Licensing and Information

Name

Gary Caples

NMLS #

251360

Company

Prodigy Mortgage

Licensed in

Texas

Experience

18 years in the mortgage industry

Office

1220 Fall Creek Loop, Cedar Park, TX 78613

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What Clients Say

Don't Just Take My Word For It

When applying for a home loan it's a time consuming and stressful ordeal - but having "Supreme Lending" and "Loan Officer - Gary Caples" on your side really can make the process a much easier and less stressful business transaction.

Carl and April Kearney

Gary Caples, My Mortgage Consultant was very patient and tireless in his mission to get my loan underway. Always there to answer a question and kept me informed about the process and the timelines.

Jeremy Johnson

“After moving to Austin from Los Angles, we were job hunting and planning to get married. During a very stressful time in our lives, Gary’s expertise, hard work and patience with us made our home buying experience very smooth and positive.”

Andy Molloy

Ready to Get Started?

The first step is simple: a conversation. We'll talk about your goals, We'll answer your questions, and we'll figure out the best path forward. No obligation. No pressure. Just honest guidance.