Areas We Serve

Cities We Serve in Texas

Choose your city or county for notes on local prices, taxes and the loan programs we see most there.

• Austin
• Cedar Park
• Round Rock
• Georgetown
• Leander
• Pflugerville
• Kyle
• Buda
• San Marcos
• San Antonio
• Alamo Heights
• Converse
• Helotes
• Live Oak
• New Braunfels
• Seguin
• Stone Oak
• Universal City
• Lakeway
• Bee Cave
• Dripping Springs
• Hutto
• Manor
• Elgin
• Bastrop
• Taylor
• Liberty Hill
• Lago Vista
• Rollingwood
• West Lake Hills
• College Station
• Temple and Belton
• Killeen and Harker Heights
• Travis County
• Williamson County
• Hays County
• Bexar County

College Station: mortgage broker and local loan-fit guide · payment calculator

Fort Hood area: Killeen and Harker Heights home loans · VA loans near Fort Hood

Serving Houston, Dallas–Fort Worth, San Antonio and all of Texas

Our office is in Austin and most of our clients live in Central Texas, but CapFi Lending is licensed to broker loans anywhere in Texas. That includes Houston, Dallas–Fort Worth, San Antonio, El Paso, the Rio Grande Valley and the small towns in between. Because we shop more than 50 wholesale lenders on every file, where you live in the state doesn’t change the menu of loans we can bring you.

What does change from metro to metro is the local detail that shapes a loan. Each county has its own appraisal district setting the value your property taxes are based on, so we read the tax record for the exact address instead of guessing from a listing. City short-term rental rules differ a lot: Houston now requires STR registration, San Antonio issues STR permits, and in Dallas the City’s 2023 STR ordinances are not being enforced while a court challenge is pending (the Supreme Court of Texas granted review on October 23, 2026 and set oral argument for December 3, 2026), which matters if you’re financing a rental with a DSCR loan. Along the Gulf Coast, flood and windstorm insurance can move a payment more than the rate does.

A few patterns we see statewide:

• Self-employed borrowers in Houston, Dallas–Fort Worth and San Antonio often qualify with a bank statement loan or a P&L loan when their tax returns understate their income.
• Condo buyers in high-rise and mixed-use buildings sometimes need a non-warrantable condo loan.
• Investors buying rentals anywhere in the state use DSCR loans, which qualify on the property’s rent.
• Buyers with an ITIN or who live outside the U.S. can look at ITIN and foreign national programs, available anywhere in Texas.

You’ll find all of these on our non-QM loans page. Terms vary by lender. If you’re in Austin, start with our Austin mortgage broker page; anywhere else in Texas, call or text (512) 593-1336 and we’ll take it from there.

Sources (checked Oct 23, 2026)

• https://www.houstontx.gov/ara/str.html (Houston STR registration; checked Oct 23, 2026)
• https://www.sa.gov/Directory/Departments/DSD/STR/Permits (San Antonio STR permits; checked Oct 23, 2026)
• https://dallascityhall.com/departments/codecompliance/short-term-rentals/Pages/default.aspx (Dallas STR ordinances, enforcement enjoined; checked Oct 23, 2026)
• https://data.scotxblog.com/scotx/no/25-0748 (No. 25-0748 docket: review granted Oct 23, 2026; argument Dec 3, 2026; checked Oct 23, 2026)
• https://www.txcourts.gov/supreme/orders-opinions/2026/october/october-23-2026/ (Texas Supreme Court granted review of City of Dallas v. Dallas Short-Term Rental Alliance, Oct 23, 2026)
• https://comptroller.texas.gov/taxes/property-tax/ (Texas appraisal districts set taxable value)

Why Work With a Broker Here

A bank can only offer you its own loans. As a broker, we can take your scenario to dozens of lenders at once and bring back the options that actually fit, with each rate shown next to its APR. Dustin Edwards is our Founding Partner, and our office is in East Austin.

Most of our clients live in Travis, Williamson, Hays and Bexar counties, but we are licensed to help buyers and homeowners anywhere in Texas.

What Makes Texas Lending Different

Texas has rules you will not find in most states. Cash-out loans on a homestead are generally capped at 80% of the home’s value and come with a 12-day waiting period. There is no state income tax, but property taxes are high, so escrow often makes up a big share of the monthly payment and can change after reappraisal. Homestead and over-65 exemptions can soften that, and we remind every client to file after closing.

Around Austin you will also run into older homes that need appraisal repairs, condo projects that need approval for FHA or VA, builder incentives tied to preferred lenders, and rural lots with wells and septic systems. Along the coast, flood and windstorm insurance can change the math. We flag these early so they do not show up as surprises in underwriting.

Who We Help

First-time buyers who want someone to explain each step. Move-up buyers who need to time a sale and a purchase. Business owners and 1099 earners whose tax returns do not tell the whole story. Veterans using their VA benefit. Investors buying rentals or financing a renovation. Homeowners weighing a refinance or a home equity line.

Whatever your situation, we start with a conversation about what you want the payment to be, then work backward to the right loan.

What does a first-time home buyer mortgage broker compare?

A first-time home buyer mortgage broker compares more than the interest rate. We look at your down payment, credit and income documentation, mortgage insurance, property taxes, homeowners insurance, HOA dues and cash to close. For a Texas home, we check the exact property’s tax record and explain any assistance-program rules. CapFi compares options from more than 50 wholesale lenders, then shows any rate beside its APR. Terms and eligibility vary by lender.

Start with our first-time home buyer guide, then choose a city in the list above for local tax and loan-fit notes.

Texas Homebuyer Assistance

Texas offers statewide programs that can help with down payment, closing costs or taxes for qualifying buyers. The Texas Department of Housing and Community Affairs (TDHCA) runs My First Texas Home and the Texas Mortgage Credit Certificate. The Texas State Affordable Housing Corporation (TSAHC) offers Homes for Texas Heroes for teachers, first responders, veterans and others, and Home Sweet Texas for moderate-income buyers.

Each program has its own income limits, price limits and participating lenders, and the details change. We check current guidelines for your situation before recommending one.

Questions Texans Ask Us