Austin Mortgage Broker: Home Loans for Central Texas
CapFi Lending is an Austin, Texas mortgage broker with 22 years of experience helping buyers and homeowners across Travis, Williamson, Hays, and Bexar counties. We shop multiple lenders for FHA, VA, conventional, jumbo, DSCR, bank statement, and first-time buyer loans, and we’re rated 4.9 stars from 79 Google reviews. Call or text (512) 593-1336, Monday through Saturday, 9 AM to 7 PM, for a free pre-approval.
Welcome to CapFi Lending
CapFi Lending is an Austin, Texas independent locally owned and operated mortgage lender. Our mission is to help people buy homes with less hassle and more enjoyment by developing genuine relationships, applying a team-based approach to customer care, and providing sound advice. We take pride in treating our clients with honesty and integrity.
As a leading Austin mortgage lender & broker, rest assured your questions and concerns are addressed with knowledge, compassion and honesty. CapFi Lending was founded on the idea that getting a mortgage should be fast, transparent, easy, and come with great service at the lowest cost. We have relationships with some of the nations top banks, lenders, and investors and put our knowledge to work for you. We are not limited to one lender’s rates and programs like our competitors. Our goal is to find the best rates and programs for our clients. We look forward to working with you on all your lending needs both now and in the future.
Loan programs we specialize in
Finding a great home loan involves careful consideration of your needs, finances and history. We are here to guide you.
- Fixed Rate Mortgages
- FHA Loans
- VA Loans
- VA Loan Refinancing
- Rehab Loans
- USDA Loans
- Jumbo Loans
- First Time Homebuyers
- Low Down Payment Loans
- Investment Properties
- Bank Statement Program
- Bridge Home Loan
- Construction Home Loan
- DSCR Home Loan
- Fix & Flip Home Loan
- HELOC Home Loan
- Reverse Mortgage
- Seller-Paid Buydown
- Refinance
- Cash-Out Refinance
Fill out the Quick 1-Minute Loan Request to start a discussion about your mortgage needs today!
We pride ourselves on excellent communication and easy accessibility when you need us. Our experienced staff is here to guide you every step of the way.
- Speak to a Local Mortgage Professional
- Free Consultation
- Call or Text Mon–Sat, 9 AM–7 PM
Everything we do is built on our clients’ trust.
What our customers say
I had a great experience working with Dustin and the entire CapFi team. From the start, Dustin was very responsive in answering all emails, text and phone calls (typically instantly or within minutes). Additionally, Dustin was very patient in answering all of my questions and explaining things in detail. … Ultimately, Dustin and team delivered everything as promised for an on-time close in a swift timeline. I would definitely do business with Dustin and team again!
I’m incredibly grateful to this outstanding team for helping my wife and me purchase our first home. From start to finish, the process was smooth, efficient, and well-organized. Communication was excellent throughout, and we always felt informed every step of the way. … Because of this amazing team, along with our fantastic realtor, we are now proud first-time homeowners.
Clay and the Capfi team were an absolute pleasure to work with from start to finish. Their professionalism, expertise, and collaborative approach made the entire process seamless and enjoyable. They consistently demonstrated a strong commitment to quality and clear communication, which really set them apart.
Dustin at CapFi Lending was excellent to work with. He was responsive, knowledgeable, and made the entire loan process smooth and stress-free. He kept us informed at every step and ensured we closed before expected closing date. Highly recommend!
Working with Clay was amazing, he was always available to answer our questions and offer helpful advice throughout our home buying process. Clay and CapFi as a whole made everything easy and stress-free. Highly recommend!
Strong work from Clay and Li, great communication and very efficient. Highly recommend!
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Frequently Asked Questions
What does a mortgage broker do?
A mortgage broker compares loan programs from multiple wholesale lenders, helps you choose the best fit, and manages the file from application to closing. A bank can only offer its own products.
Is CapFi Lending a local Austin company?
Yes. CapFi Lending is an independent mortgage broker based at 2617 Willow St Unit 1 in East Austin, serving Travis, Williamson, Hays, and Bexar counties.
What types of home loans does CapFi offer?
Conventional, FHA, VA, jumbo, DSCR and investment property loans, bank statement and other self-employed programs, new construction, and refinances.
Can you help if I’m self-employed or have non-traditional income?
Yes. Depending on your situation, we can compare full-documentation loans with bank statement, 1099, or asset-based programs from several lenders.
How do I get pre-approved?
Call or text (512) 593-1336 or apply online. We review your income, assets, and credit, then issue a pre-approval letter you can use when you make an offer.
What are your hours?
We answer calls and texts Monday through Saturday, 9 AM to 7 PM.