Experienced Austin Mortgage Loan Officer: Toby brings 36+ years of Texas real estate and mortgage expertise to every client. Licensed nationwide, he prioritizes availability, clear communication, and truly listening to your unique needs. Formerly Owner/President of Gracy Title Co., Toby crafts personalized loan solutions, acting as your advocate throughout the entire process. Whether you're buying, refinancing, or a real estate professional, benefit from his dedication to on-time closings and exceptional service. Contact Toby today for a trusted mortgage partner.