Austin Mortgage Rates & Home Loans

The Austin market, honestly

Austin has been one of the most dynamic housing markets in the country, and one of the most unpredictable. A wave of tech growth pushed prices to heights Texas had never seen, then the market cooled and corrected, and it continues to move in ways that reward buyers who get real numbers rather than headlines. It is also, by Texas standards, expensive, which means a large share of Austin purchases land in jumbo territory and a lot of buyers carry income that a traditional lender struggles to document.

That is where an Austin mortgage broker matters. Because we shop many wholesale lenders instead of selling one bank's product, we can handle the files this market actually produces: the software engineer paid partly in stock, the self-employed founder, the jumbo buyer in the western hills, and the family chasing value out in the Williamson and Hays County suburbs.

Tech incomes and equity compensation

A huge part of Austin's buyer pool earns income that does not fit a simple W-2 box: RSUs, stock options, bonuses, and startup equity. Whether and how a lender counts that income varies a great deal, and getting it wrong can cost you real buying power or sink an approval. We know which lenders treat vesting RSUs and bonus income favorably and how to document it, so your true earning power shows up in your qualification instead of being left on the table.

Self-employed and jumbo buyers

Austin is full of founders, consultants, and business owners whose tax returns understate their real cash flow, and its price points push many buyers into jumbo loans. Bank-statement loans qualify self-employed borrowers on deposits rather than adjusted gross income, and jumbo pricing varies widely from lender to lender. We price both across multiple lenders, so a self-employed or high-value Austin purchase is not held hostage to one bank's rigid box. See our jumbo loans.

Property taxes and protests

Texas has no state income tax, and Austin's property taxes are among the highest you will encounter in the state, a major part of the monthly payment. On a primary residence the homestead exemption and the annual homestead cap limit how fast your taxable value can climb, and many Austin owners formally protest their appraised value each year to keep the bill in check. We estimate your taxes on a realistic homesteaded basis so the payment we quote holds up, and we will explain how the exemption and cap work for your situation.

The growing suburbs and Hill Country

As central Austin prices climbed, growth pushed outward, into Round Rock, Georgetown, Leander, Cedar Park, Pflugerville, and south to Buda and Kyle, along with the Hill Country west of town. Much of this is new construction, where the builder's lender and its incentives deserve a hard comparison against the open market before you commit. We price your loan against the builder's offer, incentive included, and handle the rate-lock timing that new construction requires.

Where we help across Central Texas

Travis County: central Austin, the western hills and Westlake, East Austin, and the neighborhoods around downtown. Williamson County: Round Rock, Georgetown, Leander, Cedar Park, and Pflugerville. Hays County: Buda, Kyle, and Dripping Springs, plus the Hill Country communities to the west.

Whether it is a first condo near downtown, a jumbo home in Westlake, a new build in Georgetown, or an investment property, the right loan and lender differ for each, and comparing them is what we do.