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Texas Mortgage Lenders & Advisors

Welcome to Cloud Financial Group, Texas Mortgage Lenders & Advisors

Austin TX Mortgage Brokers - Cloud Financial Group, LLC - Lowest Rates In Texas

Meet our founder

Bobby Cloud

Owner, Proud Texan & Licensed Mortgage Broker (Lic #: 247321)

I grew up in Austin and have been in the mortgage industry since 2004. I’m a HUGE Longhorn and Cowboy fan so you can relate to the pain I have been in for a very longtime lol!! I take pride in giving honest, straightforward answers and give advice to my clients as if they were my personal friend or family member. My goal is to have clients for life that will refer family and friends with confidence.

Our mission is to deliver expert advise on different loan products, extremely competitive rates, constant communication with everyone on the transaction, and industry leading technology for the fastest approvals in todays market.

Michael McSpadden

Partner & Sr. Loan Officer (Lic #: 921234)

A native of Austin, TX, Michael has been a lending/finance professional for over 20 years and has a passion for helping others achieve the dream of home ownership. Having helped hundreds of families across the great state of Texas, Michael is an expert that can help you navigate your specific purchasing or refinancing needs.

At Cloud Financial Group, LLC, we specialize in originating conventional loans, jumbo loans, loans guaranteed by the Veterans Administration (VA), loans insured by the Federal Housing

Administration (FHA), and loans backed by the Rural Housing Department of the USDA, including many First Time Home Buyer programs and more.

The McSpadden Group Cloud Financial Group is dedicated to simplifying the mortgage process and creating a great buying experience for client at market leading rates!

Contact Michael today for a free mortgage consultation or rate quote.

Austin TX Mortgage Brokers - Cloud Financial Group, LLC
Danny Vargas

Partner & Sr. Loan Officer  (Lic #: 1992615)

Danny Vargas is a real estate mortgage professional specializing in all types of financing. I deliver cutting edge lending solutions and programs for all of my clients needs. I have been delivering state of the art service for over the past 20 years to customers throughout the state of Texas.

As a lender, I have focused my efforts on putting customer needs first, while generating a satisfied experience for my client through precision, pricing, and service. I am an expert in many areas of lending even in today’s ever changing market. I not only cover all aspects of conventional lending, but consider myself an expert with FHA and VA mortgages as well.

Through my many years of experience in real estate finance, sales, and marketing, I have consistently been a top producer in my field.

Cesar Gudino

Loan Officer (Lic #:2004142)

Bio Coming Soon!

Cloud Financial Group are your Austin TX Mortgage Lenders Working Hard for you and always in Your Best Interest. Lowest Interest Rates in Texas!
Dedicated to Delivering Texas Turn-Key Mortgage Lending & Advisement.
Buying a home can be stressful and intimidating, but it doesn’t have to be. With the Cloud Financial Group of Austin, we simplify the process with the perfect mix of technology and human help. With competitive rates, fast closing times, and a team dedicated to service, we consistently receive recognition as one of the top mortgage lenders in Texas.

Excellence & Integrity

We treat every loan like it’s our own. With a purchase as important as a home, you shouldn’t expect any less of your mortgage lender.

Efficient Process & Speed

With The Cloud Financial Group, homebuyers get quick responses to questions and a dedication to on-time closings.


Experienced mortgage advisers are ready to assist you in offices across Texas. Get real answers from real people.

why choose us

Leave With The Keys

In mortgage lending, at closing, there is a “Funding number” that is needed to release the funds to finalize the loan. In this process, there are documents you sign that title has to send to the lender’s closing department for approval before a funding number is sent to title to release the funds. Sometimes is can happen within an hour and sometimes it can take hours and possibly bleed over into the next day. We are a true table funder which means as long as the sellers sign first, the buyers will always walk out of closing with their keys, Title doesn’t not need a funding number from me to release funds. ALWAYS LEAVE WITH KEYS when you use Bobby Cloud!!

Cloud Financial Group, LLC

We will work hard to get your the very best rates possible!
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Cloud Financial Group, LLC
Why choose Clound Financial Group?

Loan Products

We are approved, experienced, and extremely knowledgeable with FHA Loans, Fannie Mae, Freddie Mac, and VA Loans. 

Seasoned Advisors

We are a seasoned team of Financial Professionals dedicated to delivering smart, sound, financial advisement. that alow our clients to make the smartest. & educated decision every step of the way. 

Competitive Rates

Not only can we provide extremely low rates, we also offer interest rate credits. These can help cover your closings costs and keep more money for buying furniture, moving, etc.

Locally Accountable

Locally Owned & Operated in Austin, Texas, and proudly serving the Great State of Texas! Call is Today! 512.627.2487

Safe & Secure

We utilize industry leading technology with bank level security means your personal information is not only secure and require less physical documentation from you but your loan will move at speeds the industry hasn’t seen before

News form our blog

Texas Mortgage News & Tips
Austin TX Mortgage Brokers - Cloud Financial Group, LLC
TILA Appraisal Exemption Threshold Moves Higher
By Jan Swanson Like a rising tide, rising prices are pushing a lot of other financial elements higher. Earlier this week surging home prices drove a near $100K increase in
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Residential Construction No Longer Dominating Spending
By: Mathew Graham National spending on construction spending rose slightly in October, but for the second month in a row, the increase wasn’t driven by the residential sector. The U.S.
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Cloud Financial Group are your Austin TX Mortgage Lenders Working Hard for you and always in Your Best Interest.
Mortgage Rates Rise Then Fall as Volatility Persists
By: Mathew Graham Mortgage rates were much lower at the start of business yesterday, but began rising in the afternoon as the bond market lost ground.  That same momentum continued in the overnight trading session.  By
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