Why CORE ?

Our top priority is to deliver an exceptional customer experience. All of our team members are held to the highest expectations and accountability when it comes to delivering results, maintaining a customer-focused attitude and always operating as a solution-oriented partner. CORE Lending employees are all part of a team working to achieve the same vision, exceeding customer expectations.

core lending review
Eric P.

I wanted to express what a great experience my wife and I had working with Bob and Leah. They answered all of our questions quickly, clearly and concisely, even on a holiday weekend. Our loan process was challenging at times but Margie never let up and worked diligently to get us the best rate possible and we are extremely happy with the results. Thanks to all the staff at CORE Lending!

Our Community

CORE Lending is dedicated to being a vital member of the community through charitable donations and volunteer work. We believe that it is our duty to create a better community for ourselves and those around us.

Funds Raised: $2,000


CORE Lending is headquartered in Magnolia, Texas. CORE Lending is a division of Weststar Mortgage Corporation, a New Mexico company founded in 1983. Weststar is a direct lender that specializes in tailoring lending solutions that traditional lenders and banks consider outside the box. Weststar currently services over $2 Billion in mortgages, is a GNMA Issuer, FNMA seller/servicer and an FHA Direct Endorsed lender with in-house underwriting.

For Borrowers

  • FHA 203k streamline with in-house support
  • One-time close FHA product for new construction
  • FHA, minimal overlays
  • USDA
  • Minimal overlays on AUS approvals
  • Reverse Mortgages
  • And everything else you would expect, FHA/FNMA/VA/USDA

Mortgage Loan Process

Getting a home mortgage loan can sometimes be overwhelming. There are many steps to the mortgage loan process, and CORE Lending is dedicated to making sure that your mortgage loan process is a smooth and pain free process. Check out our step-by-step model of the mortgage loan process, and be sure to contact one of our expert mortgage Loan Officers today!

Get In Touch

Bob Earl background mortgage

Meet Bob Earl

Bob is your Mortgage Consultant. He will meet with you for your loan consultation, educate you, and pick the loan program that is right for you. Bob handles all rates and estimates, budget reviews, and communicates with your Realtor or builder. He will send you a Pre- Closing Notice the day before your closing, and be there in person for your big day.

Bob has 11 years of experience in the mortgage industry covering multiple facets of the planning process including 7 years as a loan originator. Bob has been recognized as an industry Top Producer in 2008, 2009, 2010, 2011, 2012, 2013 and 2014.

Mortgage planning is Bob's area of expertise and includes:

Bob is a 20 year resident of The Woodlands and is actively involved in the community including:

Leah Stanger background mortgage

Meet Leah Stanger

Leah is your Mortgage Consultant. She will meet with you for your loan consultation, educate you, and pick the loan program that is right for you. Leah handles all rates and estimates, budget reviews, and communicates with your realtor or builder. She will send you a Pre-Closing Notice the day before your closing, and be there in person for your big day.

Leah’s expertise spans 23 years in the mortgage industry. Her roles have been as a Senior Mortgage Banker, Managed Major Builder-In-House Lender accounts, Underwriter and served in Management for a Master Servicing Company overseeing the Default Division.

At the core of her professionalism is a strong commitment to her clients being known as a keen problem solver delivering exceptional customer service and quality communication.

Leah values the trust customers place in her with the signature of service being a truly genuine caring, straightforward approach.

Leah is a native of North Carolina and has been a resident of The Woodlands for 9 years along with her husband and their ­ve children.

margie mortgage

Meet Margie Penny

Margie works closely with Bob and Leah to help you with your paperwork for loan processing. Once we have your completed loan application, Margie will schedule your loan consultation with Bob and Leah. Once your file is turned in to processing, Margie will call you weekly for your weekly loan update, answer general questions, and will guide you through the rest of the loan process.

erin mortgage pr

Meet Erin Ciaravino

Erin is the Director of Marketing and Public Relations for CORE Lending in The Woodlands. Erin’s specialty is digital and social media marketing, and is here to help the team with any and all marketing. Erin is also in charge of all community involvement for CORE Lending.

kylie mortgage concierage

Meet Kylie Stanger

Kylie works closely with Leah and Bob in facilitating all necessary documents required for loan approval. She makes certain that the Processor has everything needed for Underwriting, making for a smooth transaction. Kylie’s personal level of contribution is clearly evident in her professional quality of work. Kylie joined CORE Lending as a Loan Officer Assistant in early 2012.

clayton mortgage officer woodlands picture

Meet Clayton Gray

I have 15 years of experience in the Mortgage Industry, and my #1 goal to all of my Realty partners and clients is service. I want to make every single transaction I complete for you as quick and as simple as possible. When you close your loan with Corelending, I want to make sure everyone is happy and you feel that you were taken care of in the best possible way. Buying a home is the biggest investment you will make in your lifetime, and I want to make that investment a good one for you. Thank you so much for your trust in choosing me as your Mortgage Consultant. I truly appreciate your business.

Clayton Gray has lived in the Houston/Beaumont area for over 37 years. He grew up in Beaumont, Texas and currently resides in The Woodlands/Lake Conroe, Texas area. Serving the real estate and mortgage industry since 2000, Clayton has been a Project manager, Team Manager and Top Producing Senior Loan Officer. Over those years, Clayton has closed hundreds of purchase and refinance home loans for his clients while providing a level of service that is unmatched. Clayton enjoys supporting his local Houston, Texas sports teams (Texans, Rockets, and Astros), loves boating, fishing, racing and is an avid golfer. Clayton enjoys spending time with friends and family when he is not closing loans for his clients.


Mortgage planning is Clayton’s area of expertise and includes:

Clayton's Community Involvement

Clayton is a volunteer at the Ark Church in Conroe and a member of the April Sound Men’s association in Lake Conroe from which he resides.