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Welcome to 4Rel Lending, where we help you achieve your goal of home ownership!

4Rel Lending is a partnership between Barton Creek Lending Group and Prosperity Property Group.

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Welcome to

4Rel Lending!

We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and, best of all, quality service and individual attention.

Today's technology is providing a more productive environment to work in. For example, you can submit an online, secure loan application through our website. You may also evaluate your different financing options using our interactive calculators and reviewing various mortgage scenarios.

Find the Right Mortgage Option for You!

Tell us what your goal are

Loan Calculator

Use our mortgage calculator to estimate your monthly payments for a new home purchase or refinance and plan your budget effectively today.


Check out our latest purchase mortgage rates today to find the best options for your new home and start planning your future.


Schedule a consultation today to discuss your new home purchase or refinance options and let our experts guide you through the process.


Apply for a home loan today, whether you want to purchase a new home or refinance your current one, and get pre-qualified quickly.

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Loan Calculator

Loan Programs

Get to Know Us

Your Real Estate Team

Rhonda Gilbo

Realtor® | Broker


Dr. Rhonda Gilbo, a seasoned real estate Broker/Owner, led the Fort Bend Women’s Council of Realtors in 2023. With 18 years of experience and degrees in Business Administration, Marketing, and a Doctorate from Trident University, she's passionate about guiding people to homeownership and wealth. Beyond real estate, she's an adjunct professor, business consultant, mentor, and active community member, serving on the Board of the Emerging Learning Literacy Foundation (ELLF).

Your Home Loan Team

Austen Smith



Austen Smith, CMPS-certified Home Loan Consultant, has 19 years of experience. He empowers clients by leading with education, serving on the Women's Council of Realtors board, and founding Impact Leadership Group. Austen aims to be in Texas's top 1% of mortgage professionals, driven by client satisfaction and continuous learning.

Your Team

Loan Application Inquiry

Complete the fields below to get started with your loan application.

This Week's Rate



All loans have a 1% discount fee. The discount fee is a percentage of the loan amount. 

Purchase Price $500,000 | Jumbo Purchase Price $1.5M

Primary Occupancy

Credit Sores: Conventional & JUMBO - 760 | FHA:  720

LTV: Conventional & JUMBO - 80% | FHA - 96.5% 

30-Day Lock - Loans are Fixed. | Rates are Subject to change without notice.

Pricing was run on the timestamp listed above.


Please review and sign the Affiliated Business Arrangement (AfBA) in the link below, acknowledging that you have received this document regarding the partnership with Barton Creek Lending Group.

About Us

We've been helping customers afford the home of their dreams for many years, and we love what we do.

Company NMLS: 264320

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Contact Us

3201 Menchaca Rd Austin, TX 78704
Phone: 512-773-6729

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