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Tammy Metzger, M.Ed., RMLO

Mortgage Dogs: Give us a call. We won't drop the ball!

Tammy Metzger, M.Ed., RMLO · Loan Officer

NMLS# 1685285

Call (512) 426-8181 Contact Me Start Working with Tammy
Tammy Metzger, M.Ed., RMLO

Representing

Mortgage Dogs

NMLS# 1685285

Powered by Xpert Home Lending Inc.

(512) 426-8181
About

Meet Tammy

When you have more than you need, build a longer table, not a higher fence.

Areas Served

AZ CO MI NM TX

Tammy has spent most of her professional career in the financial industry, with experience ranging from retail banking and automotive lending to mortgage lending, where she has worked since 2017. Her approach is centered on consumer advocacy and homebuyer education. She believes clients deserve a clear understanding of how the numbers work from every angle, including both the short- and long-term impact of different loan products and financing strategies. Her goal is to empower clients to make confident financial decisions that support their future, because clients are far more than a transaction — she strives to earn their trust and mortgage business for years to come.

Shortly after earning a Master of Education degree from The University of Texas at Austin in 2010, Tammy began working for a real estate broker and property investor, where she spent four years gaining hands-on experience in real estate and property management. This background provides her with a well-rounded understanding of real estate transactions from multiple perspectives, making her a strong advocate and resource for homebuyers throughout the lending process.

As the daughter of a military family, Tammy is well-traveled and grew up in various communities across the country. She now calls Austin, Texas home.

The Mortgage Dogs brand was inspired by Tammy’s own rescue dogs — River, Zoe, and Jack. They are the reason Mortgage Dogs gives back to local communities via donations to various dog-related charities for each loan closed — from rescue to dog training resources and even therapy dog organizations.

Outside of work and outdoor adventures, Tammy and her dogs compete in a variety of canine sports, proudly demonstrating that mixed-breed rescue dogs can excel alongside purebred competitors.

Tammy is licensed in Texas, New Mexico, Colorado, Arizona, and Michigan.

5 States Licensed
Tammy's Advantage

Why choose Tammy?
 
 
 
 

01

Speed That Sets Records

Xpert Home Lending consistently closes loans faster than the competition. A smoother process and happier clients.

02

Direct Access, Always

You work directly with your Xpert advisor and their team— no call centers, no runaround.

03

Proven Track Record

Thousands of successful closings backed by 5-star client reviews.

04

Hundreds of Options

Not all situations are Cookie Cutter. With over 150 possible lenders to match with your loan file, Tammy is uniquely capable of finding the perfect fit for your unique situation.

Plan Your Purchase

Mortgage Payment Calculator
 
 

Payment Estimator Tammy's Calculator
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Estimated Monthly Payment

$2,076

Principal & Interest $2,076
Loan Amount $320,000
Start Working with Tammy

No obligation. Takes about 2 minutes.

Client Reviews

Real Reviews from Tammy's Clients

"Tammy and her top team have helped me and my family through several home purchases and they have always provided clear guidance and communication, transparency, unmatched knowledge and expertise ..."

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chris murray
chris murray 2026-01-01
Google Review

"Tammy and her team at Mortgage Dogs are ferocious go getters! Tammy worked hard and efficiently to get my loan processed. She always responded quickly to overcoming obstacles and answering questions. ..."

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Michael Willmarth
Michael Willmarth 2026-02-01
Google Review

"Tammy is the greatest! She went above and beyond to help us get our loan. Plus, free puppy!"

Kat Abraham
Kat Abraham 2026-03-01
Google Review

"I needed to refinance my home in my name due to divorce and Tammy helped me to make this process so much easier and far less stressful with every step of this process till closing. She was in my ..."

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Allison Pansano
Allison Pansano 2026-03-01
Google Review

"Tammy was an absolute angel with me as a new/first time home buyer. Kept things simple, explained things thoroughly when asked, was always very responsive when messaged/called. I appreciate all the ..."

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Nathan Hauck
Nathan Hauck 2025-12-01
Google Review

"Tammy is 10/10! We had an excellent experience with her and would recommend. She demonstrated great communication and engagement from start to finish and was well organized, which made for a smooth ..."

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Tamera Thompson
Tamera Thompson 2025-11-01
Google Review

"Couldn’t ask for anyone better than Tammy to help with the purchase of our first home! She made us feel comfortable, answered all our questions and made the process as stress free as possible. 10/10 ..."

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Victor Phillips
Victor Phillips 2026-01-01
Google Review

"My husband and I were "shopping" for a mortgage when buying our last house a little over a year ago. Of course, we started talking to a big corporation, but our real estate agent recommended Mortgage ..."

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Debbie Crews
Debbie Crews 2025-11-01
Google Review

"Tammy and her mortgage dogs are the absolute best at what they do. She's thorough, professional and efficient. She's gotten me through multiple closings and refinancing (at her recommendation which ..."

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Nicole Spiegel
Nicole Spiegel 2026-01-01
Google Review

"My husband and I were first time home buyers and were, thankfully, recommended to reach out to Tammy as our broker. We now know why our realtors referred us to her. She is always attentive, helpful ..."

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Deidri Perrault
Deidri Perrault 2025-11-01
Google Review
Loan Programs

Available programs

Conventional Loans FHA Loans VA Loans USDA Loans Jumbo Loans Reverse Mortgages Bank Statement Loans Non-QM Loans ITIN Loans Asset Utilization Loans HELOCs Down Payment Assistance Bridge Loans DSCR Loans Commercial Loans Hard Money Loans
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Tammy

Tammy Metzger, M.Ed., RMLO

Mortgage Advisor

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