Headshot of Twyla Gray

Twyla Gray

Branch Manager

Gray Team

NMLS #315271

5516 South Fort Apache Road, Suite #120
Las Vegas, NV 89148
Contact Methods
tel Phone
(702) 253-6099
mobile Mobile
(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
The kitchen of a new homeowner

Buying now means saving later


Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line.

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*For full terms and conditions, visit ccm.com/buynowrefilater.

First time homebuyers admiring their new home

Ready to buy your first home?

Our wide range of mortgage options can help you achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief.

Financing options

  • Home loans with as little as 3% down
  • Temporary buydowns to lower your mortgage rate at the start of your loan
  • Down payment assistance from national and state programs
  • Personalized home financing solutions

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!

Take the first step toward homeownership.
Let’s discuss your options today.

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Recent Posts and Articles


Helping your home financing process go smoothly.


  • The Mortgage Process

    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.

  • Payment Calculator

    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.

  • Find the Right Loan

    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.

  • Home Loan Check List

    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.

What Our Clients Say

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