Mortgage Broker in Lakeway

Loan Types We Specialize In

Lakeway files tend to lean toward jumbo loans, second homes, condos and townhomes (including non-warrantable condos), refinances, and asset depletion for retirees with strong savings. We also do plenty of conventional, VA and non-QM loans for business owners.

• First-Time Home Buyer
• FHA Home Loan
• Conventional Home Loan
• Fixed-Rate Mortgage
• Jumbo Home Loan
• Low Down Payment Options
• Refinance
• Cash-Out Refinance

Serving Homebuyers in Lakeway

Lakeway sits on Lake Travis, and that shapes who buys here: retirees, families who want Lake Travis-area schools, people buying a second home on the lake, and business owners whose income doesn’t fit a simple W-2. A lot of those buyers need something other than a plain 30-year conventional loan, and a single bank’s menu rarely covers all of them.

This page covers what actually changes a Lakeway loan file: lake and flood questions, HOA and condo reviews, second-home rules, jumbo reserves, and the property-tax lines on a Travis County bill.

Lakeway buyers often look in the neighboring Lake Travis communities too, like Bee Cave, Hudson Bend and the Rough Hollow area. The loan questions are similar, but the taxing entities, HOA rules and flood zones change by address, so we check each home on its own TCAD record before you make an offer.

As a mortgage broker, CapFi Lending compares loan options from more than 50 wholesale lenders side by side. I’m Dustin Edwards (NMLS 577050). My business partner Clay Wilson (NMLS 1849979) and I run CapFi Lending from our Austin office. We’re Rated 4.9 on Google (79 reviews), and you can call or text us directly at (512) 593-1336.

What Buying a Home in Lakeway Is Really Like

Lake view, lakefront, or near the lake? Those are three very different files. A lakefront lot may include docks, shoreline structures and flood-zone questions that a lake-view home up the hill doesn’t. Check the FEMA flood map for the exact parcel early. If the home sits in a special flood hazard area and you’re using a federally backed or regulated loan, flood insurance is generally required, and the premium goes into your payment.

Primary, second home, or rental? Lenders treat each one differently. A second home has to be a place you actually use, and occupancy and distance rules vary by lender. If you plan to rent it out, that’s an investment property, and a DSCR loan or conventional investment loan may fit better. Tell us your plan up front so the loan matches it.

Golf and lake condos. Many Lakeway buyers look at condos and townhomes. For conventional and FHA loans, lenders review the project itself: HOA budget, reserves, insurance and owner-occupancy mix. If a project doesn’t meet agency rules, a non-warrantable condo loan may still work. Ask for the HOA questionnaire early.

Higher price points. Many Lakeway homes need a jumbo loan. Jumbo lenders look closely at reserves, meaning money left over after closing, and how much they want varies by lender and loan size.

Loan-fit table

Programs Available to Lakeway Buyers

Non-QM loans

Non-QM loans qualify you on something other than a W-2 and tax returns, and they fit a lot of Lakeway buyers:

• Bank statement loans figure income from business or personal deposits.
• P&L loans use a profit-and-loss statement for the business.
• Asset depletion counts eligible savings, investment and retirement balances as qualifying income.
• DSCR loans qualify a rental on its rent instead of your personal income. See also our Texas DSCR page.
• ITIN mortgages and foreign national mortgages cover buyers without an SSN or living outside the U.S.

Down payment, credit and reserve requirements on these programs vary by lender. That’s the reason to shop more than 50 wholesale lenders instead of one.

Standard programs

Conventional, FHA, VA and jumbo loans cover most purchases here. First-time buyers can ask about first-time buyer options, and down payment assistance can sometimes help as a supporting piece, through approved participating lenders.

Property taxes in Lakeway

I won’t quote a total tax rate for a Lakeway home here; the bill depends on the parcel. Pull the current rates for the specific address from TCAD, and we’ll build them into your payment.

Who appraises the home. TCAD appraises Lakeway homes. The parcel page lists every taxing unit on the bill: the county, the city, the school district and any MUD, PID or emergency services district.

Lines to look for. A Lakeway bill typically includes Travis County, the City of Lakeway, the school district, and may include an emergency services district or other special district. Check the TCAD parcel page for the exact list.

Homestead exemption. Once the home is your principal residence, apply for the residence homestead exemption. Under Texas Tax Code §11.13(b), school districts must exempt $140,000 of a homestead’s appraised value (Texas Comptroller).

The over-65 and disabled exemption. Under §11.13(c), homeowners who are 65 or older, or disabled, get an additional $60,000 school-district exemption. Other taxing units can adopt their own local-option exemptions.

The 10% homestead cap. Under Texas Tax Code §23.23, a homestead’s appraised value for tax purposes can’t rise more than 10% a year, plus new improvements. The cap starts the year after you qualify.

Protest deadline. Under Texas Tax Code §41.44, you must protest by May 15 or 30 days after the appraisal district delivers your notice, whichever is later.

What this means for your loan. Lenders qualify you on the full monthly payment, taxes included. A new owner doesn’t inherit the seller’s capped value or exemptions, so the tax bill can jump after a sale. We estimate it on the actual parcel before you offer.

How We Help Lakeway Buyers and Homeowners

A Lakeway purchase, start to finish

1. First conversation. Call or text (512) 593-1336. We talk about price, timing, down payment and how your income is documented.
2. Documents. Pay stubs and W-2s, tax returns, bank or business statements, or asset statements, depending on the loan type.
3. Pre-approval. We compare more than 50 wholesale lenders and issue a pre-approval for the loan you’ll actually use.
4. Address-level check. For the home you like, we pull the TCAD record and FEMA flood zone, and ask for the HOA or condo documents.
5. Under contract. We lock when you’re ready, order the appraisal and work with the title company.
6. Underwriting. We tell you what the underwriter needs and why, in plain English.
7. Closing. You sign and get keys. Then file your homestead exemption.

Refinancing

If you already own in Lakeway, we can look at a rate-and-term refinance, a cash-out refinance, or a HELOC if you’d like to keep your first mortgage. If you bought a lake home with a jumbo loan, a refinance is worth checking whenever the market moves, since a small change on a large balance adds up. We’ll compare the options from more than 50 wholesale lenders and tell you plainly whether a refinance makes sense right now or whether it’s better to wait.

Neighborhoods We Serve in Lakeway

Lakeway is a mix of golf-course neighborhoods, lake-access streets, hillside homes with views, and condos and townhomes. Rather than list subdivision names, here’s what actually matters for a loan in each type of area:

• Lakefront and lake-access homes. Flood zone, docks and shoreline structures, insurance, and HOA rules on boats and access.
• Golf-course homes and condos. HOA dues, project reviews for condos, and what the HOA covers.
• Hillside homes. Slope, drainage and the appraisal, since view homes can be harder to compare.
• Newer homes on the edges of town. Taxing units on the TCAD record, including any special district.

We work across all of Lakeway and the surrounding Lake Travis area.

Questions before an offer

• What’s the FEMA flood zone? Check the exact parcel, not just the street.
• What does insurance cost? Get a quote early; it affects your payment.
• What are the HOA dues, and what do they cover? Both matter for qualifying.
• If it’s a condo, will the project pass a lender review? Ask for the HOA questionnaire.
• Primary, second home or rental? Be clear up front.
• How much will you have left after closing? Jumbo lenders look at reserves.
• Which school district? Confirm by address.

Talk to Someone Who Knows Lakeway

• More than 50 wholesale lenders, compared for your file.
• Non-QM is a real part of what we do: bank statement, P&L, asset depletion, DSCR, ITIN and foreign national loans.
• Locally owned, with our office in Austin. We serve Lakeway buyers by phone, video and online document upload, or in person at our Austin office by appointment.
• Rated 4.9 on Google (79 reviews).
• Call or text (512) 593-1336.

Looking at nearby areas too? See West Lake Hills, Bee Cave, Rollingwood, our Travis County page, or every Texas area we serve.

Frequently Asked Questions

Dustin Edwards. Clay Wilson, NMLS 1849979. (512) 593-1336. Rated 4.9 on Google (79 reviews).

Sources

Sources checked October 24, 2026.

1. Handbook of Texas Online, “Lakeway, TX” (Josey ranch, May 30, 1963 sales, Lakeway Inn and Marina, July 1974 incorporation, SH 620, Mansfield Dam, population, coordinates): https://www.tshaonline.org/handbook/entries/lakeway-tx
2. City of Lakeway: https://www.lakeway-tx.gov/
3. Lake Travis ISD: https://www.ltisdschools.org/
4. Lower Colorado River Authority (Lake Travis): https://www.lcra.org/
5. Travis Central Appraisal District: https://traviscad.org/
6. Texas Comptroller, Property Tax Exemptions ($140,000; $60,000 65+/disabled; local options): https://comptroller.texas.gov/taxes/property-tax/exemptions/
7. Texas Tax Code §11.13: https://statutes.capitol.texas.gov/Docs/TX/htm/TX.11.htm
8. Texas Tax Code §23.23: https://statutes.capitol.texas.gov/Docs/TX/htm/TX.23.htm
9. Texas Tax Code §41.44: https://statutes.capitol.texas.gov/Docs/TX/htm/TX.41.htm
10. FEMA Flood Map Service Center (flood zone lookup): https://msc.fema.gov/portal/home