Mortgage Broker in Manor
Experienced mortgage broker serving Manor and surrounding Texas communities. Find the right loan program for your situation.
Honest pricing, clear guidance, and a local team that picks up the phone — from first question to final signature.
Loan Types We Specialize In
Explore the loan programs available to Manor, TX home buyers and homeowners.
Home loans in Manor, TX
Manor has changed from a small railroad town into a fast-growing suburb northeast of Austin, and most buyers here are looking at newer subdivision homes. That shapes the loan: builder incentives, first-year tax bills, special districts and HOA dues matter as much as the rate. This page covers those, with sources you can check.
Serving Homebuyers in Manor
I’m Dustin Edwards (NMLS 577050). My partner Clay Wilson (NMLS 1849979) and I run CapFi Lending from our Austin office. We compare loans from more than 50 wholesale lenders. Rated 4.9 on Google (79 reviews). Call or text (512) 593-1336.
Manor facts and sources
- Where it is. Manor is on US Highway 290, twelve miles northeast of Austin in northeastern Travis County (Handbook of Texas).
- How it started. A post office called Grassdale opened in 1859 with James Manor as postmaster. A post office named Gregg opened in 1871 and was renamed Manor the next year in his honor. The Houston and Texas Central Railway came through in 1871 (Handbook of Texas).
- How it grew. Manor reported 1,204 residents in 2000 (Handbook of Texas) and 13,652 in the 2020 Census (U.S. Census Bureau). That growth is why so much of Manor’s housing is recent subdivision construction.
- Appraisal and taxes. Manor homes are appraised by the Travis Central Appraisal District. Taxing units can include the City of Manor (inside city limits), Travis County, the school district, Austin Community College, Central Health, an emergency services district and, in some subdivisions, a municipal utility or public improvement district. Check the parcel record, not the listing.
- Schools. Manor ISD serves the Manor area. Confirm the district and attendance zone for the exact address.
What Buying a Home in Manor Is Really Like
New construction and builder lenders. Builders often tie closing-cost credits or rate buydowns to their preferred lender. Get the offer in writing, then compare the whole package (rate with APR, fees and credits) against what we can find across more than 50 wholesale lenders. If a buydown is part of the deal, see how a seller-paid buydown compares with a price reduction.
First-year taxes on new homes. A new home’s first tax bill may reflect only the lot. The next bill reflects the finished house. Budget on the completed value, and ask whether the subdivision is in a MUD or PID, which adds its own tax or assessment.
Inside or outside city limits. Some Manor-address homes are inside the City of Manor and some aren’t. That changes which entities tax the property and which rules apply. The TCAD record shows it.
Older homes. Homes in older parts of town can get appraisal repair conditions, especially on FHA and VA loans. A rehab loan can fold repairs into the purchase.
Flood maps. Check the address on the FEMA Flood Map Service Center. If the home is in a special flood hazard area, the lender requires flood insurance.
Manor-area prices
The public Unlock MLS release doesn’t break out the City of Manor, so here are the county and metro figures:
| Market | Median sale price | Change vs. Sept 2025 | Closed sales | Months of inventory | As of |
|---|---|---|---|---|---|
| Travis County | $497,400 | +2.6% | 1,031 | 5.8 | September 2026 |
| Austin–Round Rock–San Marcos metro | $421,000 | +1.4% | 2,223 | 5.4 | September 2026 |
Source: Unlock MLS, September 2026 Central Texas Housing Report. Manor prices can differ a lot from the Travis County median; ask your agent for an MLS pull on the subdivision you’re shopping.
How We Help Manor Buyers and Homeowners
| Your situation | Loans we usually compare | What we check first |
|---|---|---|
| First-time buyer | FHA, conventional, low down payment options | Full tax bill with MUD/PID, HOA dues, savings |
| Buying new construction | Conventional, FHA, VA | Builder incentive in writing, completed-value tax estimate |
| Veteran or service member | VA | Certificate of Eligibility and entitlement |
| Self-employed or 1099 | Bank statement, P&L, 1099 loans | Deposits and write-offs |
| Buying a rental | DSCR | Market rent vs. full payment, HOA leasing rules |
| ITIN borrower | ITIN mortgage | Income history and credit |
| Refinancing | Refinance, cash-out | Value, Texas cash-out rules on a homestead |
Agency loans for Manor buyers
No lender fees on agency loans (conventional, FHA, VA). Third-party costs may apply.
FHA loans allow a smaller down payment and flexible credit, with mortgage insurance and property standards. Conventional loans can also work with a small down payment for qualified buyers. Eligible veterans and service members can use VA loans, often with no down payment. We run each option with your actual tax and HOA figures. New to buying? See our first-time home buyer page.
Non-QM loans for Manor borrowers
Many Manor buyers are self-employed, work in the trades or are building a rental portfolio. Non-QM loans qualify on something other than tax-return income. Terms vary by lender.
- Bank statement and P&L loans for business owners and contractors.
- DSCR loans for single-family rentals, qualifying on rent.
- Asset depletion for buyers with savings but uneven income.
- ITIN and foreign national programs.
Neighborhoods We Serve in Manor
Much of Manor’s housing is recent subdivision construction (Handbook of Texas; U.S. Census Bureau). For any address, we check the parcel’s taxing units with the Travis Central Appraisal District and confirm the district and attendance zone with Manor ISD before you make an offer.
Programs Available to Manor Buyers
Assistance programs can help some buyers with down payment or closing costs, but they have income limits, price limits and participating-lender rules that change often. Statewide, TDHCA runs My First Texas Home, and TSAHC offers Homes for Texas Heroes and Home Sweet Texas. We check current guidelines and compare any program against a standard FHA, VA or conventional loan before recommending one.
Talk to Someone Who Knows Manor
Call or text (512) 593-1336, Monday through Saturday, 9 AM to 7 PM. Nearby, see our Pflugerville, Elgin and Travis County pages, or our Austin mortgage broker page.
- Dustin Edwards, Founding Partner / MLO
- Clay Wilson, NMLS 1849979
- Equal Housing Opportunity.
Frequently Asked Questions
What home loans are available in Manor, TX?
Manor buyers can use conventional, FHA, VA and jumbo loans, plus non-QM options like bank statement, DSCR and ITIN mortgages. CapFi Lending is a broker, so it compares programs from more than 50 wholesale lenders for each file and shows every rate with its APR. Terms vary by lender.
Should I use the builder’s lender for a new home in Manor?
Compare before you decide. Builder incentives tied to a preferred lender can be worth real money, but get the incentive in writing and compare the full package: rate with APR, fees and credits. Many builders allow outside financing, and CapFi can quote the same home side by side.
Why do Manor property taxes vary so much between homes?
Taxing units differ by parcel. A home may or may not be inside City of Manor limits, and some subdivisions add a MUD, PID or emergency services district. Check the Travis Central Appraisal District record for the exact address, and budget on the completed home’s value for new construction.
Can I use rental income from a duplex in Manor to qualify?
Often, yes. If you buy a two- to four-unit property and live in one unit, lenders may count part of the expected rent from the other units, supported by leases or the appraiser’s rent estimate. If you won’t live there, a DSCR loan qualifies on the property’s rent instead.
Do I need flood insurance in Manor?
Only if the home is in a FEMA special flood hazard area; then the lender requires it. Check the address on the FEMA Flood Map Service Center before you write an offer. Even outside mapped areas, a flood policy can be worth pricing for homes near creeks or low ground.
Can I finance repairs on an older Manor home?
Yes. A rehab or renovation loan can combine the purchase price and repair costs in one loan, subject to program limits and contractor requirements. FHA and VA appraisals may also require certain repairs before closing. Plan for inspection findings early so your timeline and budget hold.
Sources (checked Oct 23, 2026)
- https://www.tshaonline.org/handbook/entries/manor-tx (location, Grassdale/Gregg/Manor post offices, railroad 1871, 2000 population)
- https://www.census.gov/quickfacts/manorcitytexas (2020 Census 13,652)
- https://www.unlockmls.com/news/september-2026-central-texas-housing-report
- https://traviscad.org/
- https://www.manorisd.net/
- https://msc.fema.gov/portal/home
- https://capfilending.com/mortgage-broker-in-texas/ (live statewide program list)