Troy Mannella had a successful career in the finance sector of the auto industry, but in 2003–with the birth of what he believed at the time would be his last child–he decided he wanted to change to a career with more flexibility. “I have family in the mortgage industry and they asked me to work with them. I jumped on board,” Troy says with his characteristic smile. Troy immediately showed a true passion and talent for his new career as a loan officer. He now primarily serves the greater Austin area, as well as Big Spring and Houston, but he also does loans all over the state of Texas. He works with a personal loan partner, who focuses on pre-approvals and realtor relationships; and a junior processor who helps with all his loans that are in process.

Troy offers a wide range of loans including credit Challenge loans; VA, and FHA loans; as well as loans tailored to self-employed borrowers. He also offers a variety of commercial loans. “We do pretty much every loan out there that is available right now,” he explains. Troy has strong relationships with his realtor clients. What keeps those realtor clients coming back and eager to work with Troy? “I offer solid communication throughout the process, whether it’s good news or bad news. As long as I keep doing that, they keep coming back,” he says. “Communication is the most important thing.” He calls his realtor partners every week to update them; and if a realtor partner sends Troy a lead who is pre-approved and out house shopping, he calls the lead weekly as well to check up on them. “That sort of weekly communication is very rare in our industry,” Troy says. He also offers great rates and an excellent product backed by top-notch service. His loans close in an average of 25 days.

There are three main things that set Troy apart from other lenders in the area: the products and services he offers at great rates; the system he has in place to communicate effectively with realtors, prospective clients, current borrowers and past clients; and his thirteen years of experience. “When I started in this business in 2004, you could close a loan in fourteen days on average with a signature and a driver’s license. So to earn people’s business I had to start with difficult loans,” Troy says. This gave him remarkable experience and expertise that he now uses to overcome any obstacles that might come up during the lending process.

What does Troy like most about the business? “It’s always changing. It’s new every month and that keeps it exciting. It keeps it fresh.” He also loves building relationships with clients who often become friends; and his skill and depth of knowledge make the work fun. To give back to the community, Troy volunteers for Habitat for Humanity, donating labor and lunch to a house building project each year. As a military veteran, he has given his time to The Wounded Warrior Project and has begun volunteering with Train Our Troops, a nonprofit that helps veterans obtain needed job skills so they can flourish in today’s economy. “That work is personal for me because I am ex-military. I know the joys and pains that military service can provide and I want to be there for the ones that need the help,” he says. In his cherished free time, Troy spends time with his wife and their three youngest children–an 18-month old and three-month old twins. He enjoys sand volleyball and occasional fishing and hunting trips. For the future, he hopes to build a strong team of exciting, energetic, fun loan originators and reach $400 million in annual production by offering a great place for excellent people to work. With his dedication to his clients and team, he’s sure to make that goal a reality!

To find out more about Troy Mannella, you can contact him via phone at 512.795.5596 Ext 11095 or by email at You can also check him out online at


Leave your rating

Agent Reviews Leave your rating
Sort by:

Be the first to leave a review.

{{{ review.rating_title }}}
{{{review.rating_comment | nl2br}}}

Show more
{{ pageNumber+1 }}