Bryce Kennemer
Clear numbers, strategic loan advice, and a mortgage plan built around your payment, cash-to-close, timeline, and long-term goals—not a one-size-fits-all product pitch.
Bryce works with homebuyers, homeowners, and real estate investors across Texas through Guarantee Mortgage, an independent mortgage broker with access to multiple wholesale lending options.
Who is Bryce Kennemer?
Bryce Kennemer is a Texas mortgage broker and Branch Manager with Guarantee Mortgage, LLC, NMLS #1808043. Since entering the mortgage industry in 2019, Bryce has personally closed 840 funded loans totaling more than $260 million in mortgage volume.
His funded-loan records include more than 600 purchase loans and more than 200 FHA, VA, and USDA loans, with properties financed across more than 110 cities and communities. Bryce serves borrowers statewide while maintaining deep local roots in Bryan–College Station and the Baytown–Mont Belvieu area.
Bryce graduated from Texas A&M University with a background in Agricultural Economics. His approach is analytical but practical: compare the structure, explain the tradeoffs, and help the borrower make a confident decision based on the complete mortgage—not simply the headline interest rate.
More mortgage advisor than rate salesperson.
A good mortgage decision is bigger than finding the lowest advertised rate.
Bryce helps borrowers compare how the loan affects monthly payment, cash required at closing, mortgage insurance, lender credits, discount points, reserves, flexibility, and long-term interest—not just one number on a quote.
That matters even more when a borrower has multiple viable choices, such as FHA vs. conventional, a temporary buydown vs. a permanent rate reduction, down-payment assistance vs. bringing additional cash, or a traditional mortgage vs. a specialty program.
Mortgage guidance for straightforward and complex scenarios.
Bryce's production history spans conventional, government-backed, investment, and specialty financing.
Homebuyers
Purchase strategy, pre-approvals, conventional financing, low-down-payment options, and side-by-side loan comparisons.
First-Time Buyers
Clear explanations of cash-to-close, mortgage insurance, seller credits, assistance programs, and what makes an offer financially workable.
Veterans & Service Members
VA purchase and refinance guidance focused on benefit use, contract strategy, cash-to-close, and total loan structure.
Real Estate Investors
Investment-property financing, DSCR loans, portfolio growth, cash-flow analysis, LLC scenarios, and refinance strategy.
Self-Employed Borrowers
Traditional self-employed income review plus Bank Statement and other Non-QM options when tax returns do not tell the full cash-flow story.
Jumbo & Complex Files
Higher loan amounts, layered income, large asset positions, unusual property scenarios, and files that benefit from comparing lender overlays.
Production backed by funded-loan records.
These figures are Bryce's personal production—not companywide totals.
$260M+ Personally Funded
More than $260 million in personal funded mortgage volume across Bryce's recorded production since 2019.
840 Closed Loans
Personal funded-loan records spanning April 2019 through August 4, 2026.
600+ Purchase Loans
More than 600 personally funded purchase transactions, representing nearly $194 million in purchase financing.
200+ Government Loans
More than 200 personally funded FHA, VA, and USDA loans in the reviewed records.
110+ Cities & Communities
Personal funded-loan records include properties across more than 110 Texas cities and communities.
Statewide Reach, Local Depth
Deep concentration in Bryan–College Station and Baytown–Mont Belvieu while serving borrowers throughout Texas.
Source: Guarantee Mortgage funded-loan records reviewed through August 4, 2026. Production volume does not guarantee approval, pricing, timing, or borrower outcomes.
Deep roots in Bryan–College Station and Southeast Texas.
Bryce serves borrowers statewide, but his production is especially concentrated in two Texas markets where Guarantee Mortgage has long-standing local relationships.
Bryan–College Station
Bryce's personal records include 398 funded loans totaling more than $124 million across Bryan and College Station, including 229 College Station loans and 169 Bryan loans. Explore the College Station office →
Baytown–Mont Belvieu
Bryce's personal funded-loan records include 99 loans totaling more than $25 million across Baytown and Mont Belvieu, supported by the broader Guarantee Mortgage team's deep production history in the market. See Texas areas we serve →
Across Texas
From major metros to smaller communities, Bryce's personal production includes properties in more than 110 cities and communities. Property, program, and licensing eligibility still apply to every transaction.
One borrower does not equal one lender.
Bryce works through Guarantee Mortgage's wholesale broker model, allowing the team to compare multiple lending options rather than relying on a single institution's product shelf.
Different lenders can be stronger for different scenarios. A conventional borrower, veteran, investor, self-employed business owner, jumbo borrower, or first-time buyer may each fit a different lender or program.
The goal is not to force every borrower into the same box. It is to identify the structure that best matches the actual file and explain why.
Compare the right variables
A clear plan from first conversation to closing.
Start With Your Goals
Talk first or apply online. Bryce learns what you are trying to accomplish before recommending a loan structure.
Build the Numbers
Review qualification, payment, cash-to-close, program options, and the tradeoffs between available structures.
Get Fully Prepared
Complete documentation and pre-approval so you understand the plan before making a major real estate decision.
Stay Informed Through Closing
Bryce and the Guarantee Mortgage team coordinate the file, communicate milestones, and work through underwriting to closing.
Research your options before you make a decision.
Loan Options
Compare conventional, government-backed, investor, specialty, and alternative-documentation mortgage programs.
Mortgage Rates
Understand current market-rate information and why actual pricing depends on the complete loan scenario.
Mortgage Calculator
Estimate principal and interest payments while comparing purchase prices, down payments, and loan structures.
First-Time Home Buyer
Start with the fundamentals of financing, documentation, down payment, and comparing mortgage choices.
Texas DSCR Loans
Explore rental-property financing that can qualify primarily from eligible property cash flow instead of personal DTI.
Bank Statement Loans
Learn how eligible self-employed borrowers may document income from personal or business bank statements.
Guarantee Mortgage Reviews
Read borrower feedback about communication, pre-approvals, loan comparisons, and the closing process.
Articles by Bryce
Browse mortgage and Texas real estate guidance published under Bryce Kennemer's author profile.
Learning Center
Explore educational mortgage content before buying, refinancing, or investing in real estate.
Prefer to talk before applying?
That's completely fine. Call, text, or email Bryce with the basics of your scenario, or open the online pre-approval when you are ready.
About Working With Bryce Kennemer
Who is Bryce Kennemer?
Bryce Kennemer is a Texas mortgage broker and Branch Manager with Guarantee Mortgage, LLC. His personal NMLS number is 1808043. He entered the mortgage industry in 2019 and serves homebuyers, homeowners, and real estate investors across Texas.
How many mortgage loans has Bryce Kennemer closed?
According to Guarantee Mortgage funded-loan records through August 4, 2026, Bryce has personally closed 840 funded mortgage loans totaling more than $260 million in mortgage volume.
Does Bryce work with first-time homebuyers?
Yes. Bryce works with first-time buyers and can compare eligible conventional, FHA, VA, USDA, low-down-payment, and assistance-related structures based on the borrower's qualification and goals.
Does Bryce work with self-employed borrowers?
Yes. Bryce works with traditional self-employed income analysis as well as selected Bank Statement and other Non-QM programs when alternative income documentation may better fit an eligible borrower.
Does Bryce work with real estate investors?
Yes. Bryce works with investment-property borrowers using conventional financing, DSCR loans, selected Non-QM options, and refinance strategies. Program and property eligibility vary by lender.
What areas of Texas does Bryce serve?
Bryce serves eligible mortgage borrowers across Texas. His personal production is especially concentrated in Bryan, College Station, Baytown, and Mont Belvieu, while funded-loan records include properties across more than 110 Texas cities and communities.
Can I talk with Bryce before completing an application?
Yes. You can call or text Bryce at (979) 977-3900 or email bryce@guaranteemc.com before applying. If you prefer to start online, the secure pre-approval application is available directly on this page.
Why work with Bryce through a mortgage broker instead of one bank?
Guarantee Mortgage's broker model allows Bryce and the team to compare eligible wholesale lender options instead of relying on only one institution's underwriting rules and product shelf. The best lender can vary by borrower, loan program, property, credit profile, and transaction.
How can I verify Bryce Kennemer's mortgage license?
Bryce Kennemer's NMLS number is 1808043. Mortgage licensing information can be verified through NMLS Consumer Access.
Ready to see what your mortgage options actually look like?
Start the secure online pre-approval or call Bryce first. The goal is the same either way: understand your numbers, compare the right options, and build a financing plan you can make a decision around.
Bryce Kennemer | Mortgage Broker | NMLS #1808043 | Guarantee Mortgage, LLC | Company NMLS #279696 | Equal Housing Opportunity.
For informational purposes only. This is not a commitment to lend or extend credit. All loans are subject to credit approval, property review, underwriting, and program eligibility. Rates, terms, loan programs, and guidelines are subject to change without notice. Additional restrictions may apply. Mortgage loans may be arranged through third-party providers.
Production statistics are based on internal funded-loan records and are provided to describe experience only. Production history does not guarantee loan approval, pricing, closing speed, or future borrower outcomes.
