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Level Fi · Direct Rate, LLC d/b/a LevelFi · NMLS 2320473
LEVEL FiLet’s talk

Level Fi · Our people

Real people. Your next level.

Learn about Level Fi, a multi-state mortgage company focused on clear guidance, licensed mortgage services, and a smooth home loan experience.

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Welcome to Level Fi.

Choose the Right Mortgage With Confidence

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(210) 909-6999
About our company

Get to Know Level Fi

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Level Fi is headquartered in San Antonio, Texas, built around a simple belief: mortgage guidance should be clear, honest, and stress-free — not confusing, salesy, or full of surprises.

Our team helps buyers and homeowners navigate the loan process with a strategy-first approach. That means we don’t just “quote a rate.” We help you understand the true monthly payment, how the loan fits your goals, and what path makes the most sense long-term — whether that’s a conventional loan, FHA, VA, jumbo, refinance, or renovation financing.

What makes Level Fi different:

  • Clarity over confusion: We explain the numbers so you can decide with confidence.

     

  • Real humans, real accountability: You can reach a specialist when you need one.

     

  • Guidance from start to finish: Pre-approval → offer → underwriting → closing.

     

  • Options + honesty: If a loan doesn’t fit your situation, we’ll tell you

Meet The Team

Where top-tier quality meets trusted professionals.

Alfonso “Ponch” Bafidis III

Alfonso “Ponch” Bafidis III

Chief Executive Officer / Founder
 NMLS #258562
Eric King

Eric King

Founder / Managing Partner
Alfonso Bafidis IV

Alfonso Bafidis IV

Chief Systems Officer / Founder
 NMLS #2002036
Cory Andrew Bafidis

Cory Andrew Bafidis

Chief Operating Officer/Founder
 NMLS #1477654
Brent Barcey

Brent Barcey

CCO
Dan Plummer

Dan Plummer

Chief Business Officer
Wayne King

Wayne King

Chief Development Officerr
Gabi Bafidis

Gabi Bafidis

Executive Director of Sales
 NMLS #259424
Alyssa Bafidis

Alyssa Bafidis

Director of Client Success
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Mission & Vision

What is main approach behind our service & achievements.

With our team of dedicated professionals, we offer speedy approvals and a hassle-free route to securing a low rate. Honesty, reliability, and transparency are at the core of our values, and we treat every client with the utmost respect. Our approachable team is available 24/7 to answer your questions and provide support whenever you need it.

Choose Level Fi for a mortgage experience that prioritizes your needs and helps you achieve your homeownership dreams with confidence and ease.

What Working With Level Fi Looks Like

01

Quick Discovery Call
Goals, payment comfort, and timeline.

02

Pre-Approval Strategy
Document checklist + clean approval strength.

03

Offer to Closing Support
Appraisal, underwriting, and updates.

04

Closing & Beyond
We stay available even after you get the keys.

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Frequently Asked Questions

1) What does Level Fi actually do?

Direct Rate helps borrowers navigate the mortgage process from start to finish — including purchase loans, refinances, and specialized programs like FHA, VA, jumbo, and renovation financing. Our job isn’t just to “get you approved.” It’s to help you choose a loan structure that matches your goals and keeps your monthly payment predictable.

2) How is Level Fi different from other mortgage companies?

Most mortgage experiences break down in three places: unclear communication, surprise costs, and a “rate-first” approach that ignores the real payment. We operate differently by focusing on:

  • payment clarity first, not just rate talk
  • proactive updates, so you’re never guessing what’s happening
  • strategy + transparency, so you understand your options and tradeoffs
3) Do I need perfect credit to work with you?

No — many strong mortgage approvals come from borrowers who simply have stable income, manageable debts, and consistent payment history. The best next step is a quick conversation so we can map your options and show what’s realistic.

4) How fast can I get pre-approved?

Speed depends on documentation, but a clean file can often move quickly. We’ll give you a clear checklist up front and tell you exactly what matters most.

Ready For A Mortgage Experience That Feels Simple?

Get clear guidance, real numbers, and a straightforward path to closing — without the confusion.

Quick call. No pressure. Just clarity.

Any Inquiry — We’re Here to Help

Get in touch and speak with a licensed mortgage specialist.
 
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