With decades of combined industry knowledge, The Johnston Team is dedicated to matching each borrower with the right loan strategy—not just a loan program.

Team leader Stephanie Johnston brings a results-driven approach that blends creative and analytical problem-solving, allowing her to structure financing solutions that align with each client’s unique goals. Known for honest, detail-oriented guidance, she has built a reputation for helping clients navigate even the most complex lending scenarios with clarity and confidence.

In addition to her lending expertise, Stephanie is also an active real estate investor, owning multiple short-term rental properties. This firsthand experience provides a unique perspective when guiding clients—from primary homebuyers to seasoned investors.

As part of SFMC Home Lending, Stephanie has built a team and process centered around delivering a high level of service while maintaining control, efficiency, and clear communication throughout the loan process. The Johnston Team also works closely with many builders, offering access to preferred lender incentives while still ensuring clients receive the best financing options available.

Clients are supported every step of the way, including:
• Developing a customized mortgage plan
• Structuring financing that makes sense both financially and strategically
• Ongoing guidance and support—even after closing

Stephanie’s attention to detail, strong communication, and ability to structure loans for success have earned recognition in D Magazine, Texas Monthly, and Service First’s Chairman’s Circle. She has also been ranked Top 5 Loan Officers in Texas and Top 175 Nationwide for 2025 by Scotsman Guide.

Whether you’re purchasing your first home, your fifth, or expanding your investment portfolio, The Johnston Team has the experience and perspective to help you move forward with confidence.