Helping Hill Country Homebuyers Find Their Way Home
For more than a decade, Trey Powers has been helping families and individuals across Dripping Springs and the Texas Hill Country navigate the mortgage process with confidence. As a Mortgage Loan Officer with City Bank Mortgage, Trey brings together local insight, national resources, and a level of service that’s earned him recognition year after year — including eight-time Best Mortgage Lender in Dripping Springs.
Serving Central Texans with Options and Flexibility
Trey has been serving the Dripping Springs area for 12 years, and says he’s proud to work with a Texas-owned, Texas-based lender that offers flexibility many banks can’t match.
“City Bank Mortgage allows me to offer both in-house mortgage products and brokered loans,” Trey explains. “Brokered loans let me shop rates across the country to find the best terms for my customers. But when a borrower doesn’t qualify under strict Fannie Mae guidelines, our in-house products give me options to still make it happen.”
City Bank Mortgage offers a full range of lending solutions including purchase, refinance, cash-out refinance, home equity loans, jumbo loans, FHA, VA, lot loans, and interim construction loans. From raw land to new construction, Trey says, “If you need it, we can do it.”
Finding Joy in the Process
Trey was drawn to the mortgage industry because he saw an opportunity to help people during one of the most exciting times in their lives. “It’s such a joy working with Dripping Springs neighbors — or soon-to-be neighbors — to fund their purchase or refinance,” he says. “It’s generally a happy time for everyone. They’re either getting into a new home or saving money. I get to be a part of that.”
A Reputation Built on Service and Results
Trey sets himself apart by making the process easy and personal. He doesn’t rely on a call center or a Monday-through-Friday schedule. Instead, he works directly with clients from start to finish — on their timeline.
“I operate with only a cell phone and work with customers based on their schedules,” he says. “We often communicate at night and on weekends. If nighttime or Saturday afternoon is your best time to talk, that’s when we’re talking.”
He’s proud of his record: ninety 5-star Google reviews, four times more than any other local lender.
Not Citi Bank — City Bank
One common misconception Trey likes to clear up is the confusion with national brands. “City Bank is not Citi Bank,” he says. “We’re City, with a Y. WHY??? I’m local, I care about my clients, and I don’t have an 800 number.”
A Trusted Friend Through the Entire Process
When asked how he approaches client relationships, Trey keeps it simple. “As a trusted friend,” he says.
That mindset was put to the test recently when he received a call from a Dripping Springs Elite agent at 10:00 p.m. while on vacation. Their client’s transaction was falling apart with another lender, and closing was just eleven 11 days away.
“I spoke to the client later that night and received the application an hour later,” Trey recalls. “By morning, I had them approved and an appraisal ordered. An 11-day close is nearly unheard of in the mortgage world — but we got it done, and I made a new friend. It was awesome.”
Dripping Springs: Home and Community
While the lending process may be serious business, Trey finds joy in being part of a community that still feels small. “Even with all the growth, Dripping Springs still feels like one big neighborhood. Customers are neighbors and become friends.”
Trey’s ties to the community run deep. He serves on the board of directors for Dripping Springs Hometown Missions, is Vice Chairman of the Dripping Springs Chamber of Commerce, and is the founder and past president of the Lone Star Cattlemen Foundation, a nonprofit that has raised over $2 million for Central Texas youth.
When he’s not working or volunteering, he’s likely hunting, fishing, or helping his daughter with her 4-H steer projects, a tradition they’ve been part of for nine years.
Aligning with DS Elite
Trey’s decision to partner with Dripping Springs Elite was rooted in shared values. “I align perfectly with the agents in DS Elite,” he says. “We have the same goals — to provide professional, exceptional service and do so with the highest integrity.”
Advice for Homebuyers: Choose People, Not Ads
Trey’s advice to anyone starting the mortgage process is simple: do your homework, and don’t rely on advertising alone.
“Talk with a local lender. You want to work with a human, not a company,” he says. “Choose someone who listens, communicates clearly, and stands by you the entire way.”
Contact Trey Powers
- 📍 Mortgage Loan Officer | City Bank Mortgage
- 📧 trey@treypowers.com
- 📞 512.203.5869
- 🌐 www.treypowers.com
Trey Powers of City Bank Mortgage is a trusted paid advertiser with DS Elite.