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About Us


First and foremost Certainty Home Loans is about people. We’re about doing whatever it takes to find the right home mortgage for you. We are about personal attention, about simplifying the process through our expertise and transparency. Because in an industry where many of the products stay the same, it is the team of individuals helping you and the service they provide that make the difference.


In January 2000—armed with passion, ethics, and experience—we wanted to create a successful company built on forming solid partnerships with real estate agents and builders who shared a similar vision; to make home ownership a reality by putting people first. At the time, it was a unique concept in the home mortgage industry. We opened the doors to the public on March 1, 2000 as WR Starkey Mortgage, LLP.

Today, our name has changed to Certainty Home Loans, LLC but our core belief in treating people right while providing unparalleled customer service and mortgage expertise remains. We are nationally recognized with a reputation for offering a wide range of loan products and a commitment to the communities we serve.


We never want to lose sight of our values and the importance of the individual. We hire talented, entrepreneurial individuals to run our day-to-day operations. These individuals are selected because of their abilities to grow our company while maintaining exceptional customer support. People are our #1 asset at Certainty Home Loans. Our approach is to involve all employees in the direction of the company by allowing them to provide direct feedback to management. This provides the incentive for all employees to manage the business as if it were their own.


  • Since our founding, we have helped over 170,000 families finance their homes.
  • Our headquarters is in Plano, Texas.
  • We have branches in Alabama, Arkansas, Colorado, District of Columbia (D.C.), Florida, Georgia, Kansas, Louisiana, Maryland, North Carolina, Oklahoma, South Carolina, Tennessee, Texas and Virginia.
  • We’ve won numerous mortgage industry and business awards and have been nationally recognized by:
    • Top Mortgage Employer, National Mortgage Professional Magazine, 2017 - 2018
    • Top 100 Mortgage Companies in America, Mortgage Executive Magazine, 2011 - 2017
    • Top 50 Companies to Work For in America, Mortgage Executive Magazine, 2014 - 2015
    • Top Mortgage Lenders and Top Mortgage Originators, Scotsman Guide, 2016
    • Green Lender Award, Mortgage Technology Magazine, 2011
    • Top Tech Savvy Lenders, Mortgage Technology Magazine, 2011
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