Headshot of Twyla Gray

Twyla Gray

Branch Manager

Gray Team

NMLS #315271

5516 South Fort Apache Road, Suite #120
Las Vegas, NV 89148
tel Phone
(702) 253-6099
cellphone Cell phone
(702) 541-0310
fax Fax


About Twyla

I began my career in the mortgage business in 2000, in Dallas, TX. In 2003, I moved to the Phoenix market so my son could be closer to my father. In 2007, I relocated to Las Vegas, NV. Just a few months after moving, the market started crashing. Here I was single mother in a new city with no business partners while the market was crashing. With my strong determination to succeed, I decided the best thing to do is find a strong company to work for. In 2011, we joined with CrossCountry Mortgage I attribute my success to finding a strong company to work for. CrossCountry offers programs for every situation imaginable, growth, stability and support, which allows my success to continue to grow.

I pride myself on offering excellent, professional customer service to all my clients. While educating them of the many options in purchasing and refinancing so they have the knowledge to feel comfortable with their biggest financial decision. My passion has always been to do what's best for the customer, provide professional service with little hassle and a quick, smooth closing. Even after closing I am always available for questions or just to catch up on life. I build relationships with my clients. My experience and knowledge provides a level of service many others can't offer. No situation has ever been too challenging.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Reach your homeownership goals

Choose from the tools below to help you achieve your homeownership goals or view all purchase and refinance tools.

  • There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

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