


Gary Goetz is a licensed Texas Realtor with Empact Realty, working with buyers and sellers across San Antonio, Boerne, and the Hill Country. He’s also a Vice President and Mortgage Loan Originator (NMLS #2839423) with Direct Rate, giving clients a rare combination: one person who understands the property side and the financing side of the same deal. His lending covers conventional, FHA, USDA, VA, and investor DSCR loans, with particular depth in military and PCS relocations. Clients get fewer handoffs, fewer surprises, and someone who’s accountable for the whole transaction, not just his piece of it.

78130| 78253|78015| 78006

First-time buyer| Luxury| Investor|
New construction|
Commercial|
55+

Gary Goetz is a licensed Texas Realtor with Empact Realty, working with buyers and sellers across San Antonio, Boerne, and the Hill Country. He’s also a Vice President and Mortgage Loan Originator (NMLS #2839423) with Direct Rate, giving clients a rare combination: one person who understands the property side and the financing side of the same deal. His lending covers conventional, FHA, USDA, VA, and investor DSCR loans, with particular depth in military and PCS relocations. Clients get fewer handoffs, fewer surprises, and someone who’s accountable for the whole transaction, not just his piece of it.

78130| 78253| 78015|
78006

First-time buyer| Luxury| Investor|
New construction|
Commercial|
55+
Tailored to your needs — whether you're buying, selling, or investing.

Expert guidance through buying and selling single-family homes, townhouses, and condos, smooth
from listing to closing.

Patient, education-focused support that demystifies the process and empowers new buyers to make confident decisions.

Discreet, high-touch service for upscale listings showcasing premium homes to qualified buyers through targeted marketing.

Data-driven insights into rental yields, market trends, and appreciation to help investors build profitable portfolios.
Tailored to your needs — whether you're buying, selling, or investing.

Expert guidance through buying and selling single-family homes, townhouses, and condos, smooth
from listing to closing.

Patient, education-focused support that demystifies the process and empowers new buyers to make confident decisions.

Discreet, high-touch service for upscale listings showcasing premium homes to qualified buyers through targeted marketing.

Data-driven insights into rental yields, market trends, and appreciation to help investors build profitable portfolios.
Serving buyers and sellers across these locations.




Serving buyers and sellers across
these locations.




Real stories from real people I've helped.
Tell us what you're looking for and we'll be in touch within 24 hours.
LEVEL is a business-to-business recruiting, training, and education program. LEVEL is not a mortgage lender, mortgage broker, creditor, loan originator, real estate brokerage, underwriter, processor, funder, servicer, or settlement-service provider. All mortgage origination activity is conducted by Direct Rate, LLC through properly licensed and sponsored Mortgage Loan Originators.
Dual-Licensed Role Disclosure: Real estate services are provided by the real estate professional through their licensed real estate brokerage. Mortgage loan origination services are provided through Direct Rate, LLC by properly licensed and sponsored Mortgage Loan Originators. Real estate brokerage services and mortgage loan origination services are separate and subject to separate legal, licensing, brokerage, and compliance requirements.
Direct Rate, LLC | NMLS ID 2320473 | Mortgage broker. Not a lender. NMLS Consumer Access: www.nmlsconsumeraccess.org. Equal Housing Opportunity. Licensing disclosures and Texas Complaint Notice: directrateusa.com/licensing-disclosures/.
This is for informational purposes only and is not a commitment to lend. Loans are subject to credit approval, underwriting approval, verification of information, appraisal, title review, investor/program guidelines, property eligibility, and satisfaction of all conditions. Terms, programs, rates, APR, payment, costs, and availability are subject to change without notice and may vary by borrower, property, loan program, state, and other factors.
Direct Rate does not pay for settlement-service referrals. Any mortgage compensation may be paid only where permitted by law and only for actual licensed mortgage origination services performed by a properly licensed and sponsored MLO. Real estate broker compensation and commissions are not set by law and are fully negotiable. Amounts vary by brokerage agreement, written client agreement, market, transaction, brokerage policy, MLS rules, NAR rules where applicable, and state law. No real estate or mortgage compensation is guaranteed.