Mortgage Broker in Rollingwood
Experienced mortgage broker serving Rollingwood 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
Rollingwood files are mostly jumbo purchases and refinances, construction financing for rebuilds, renovation loans for older homes, and VA loans at higher amounts. Business owners often use non-QM loans like bank statement and P&L programs.
Serving Homebuyers in Rollingwood
Rollingwood is a small city just west of Austin, near Loop 360. It was founded and developed by George B. Hatley in 1955 and incorporated in May 1963 (Handbook of Texas). Many buyers here are weighing an older house against a full rebuild or a major renovation, and the loan has to fit that plan.
This page covers what actually changes a Rollingwood loan file: jumbo requirements, renovation and rebuild financing, the Eanes ISD question, and the property-tax lines on a Travis County bill.
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.
Rollingwood facts and sources
Every fact below is tied to a public source listed at the bottom of the page. For a specific property, confirm with the source; school and taxing-district lines are set address by address.
- Founded in 1955, incorporated in May 1963. Rollingwood was founded and developed by George B. Hatley in 1955 and incorporated as a municipality in May 1963 (Handbook of Texas).
- Location. Rollingwood is near Loop 360, six miles west of Austin in southwestern Travis County (Handbook of Texas).
- A small city. The population was 1,403 in 2000 and 1,467 in 2020 (Handbook of Texas).
- Its own city. Rollingwood has its own city government (City of Rollingwood).
- County and appraisal district. Rollingwood is in Travis County, appraised by the Travis Central Appraisal District (TCAD).
- School district. The Handbook of Texas records Rollingwood as part of Eanes ISD. Confirm the specific address with Eanes ISD and TCAD.
What Buying a Home in Rollingwood Is Really Like
Keep it, renovate it, or rebuild? That’s the big question for many Rollingwood buyers. Each one points to a different loan:
- Keep it as is. A standard jumbo or conventional purchase.
- Renovate. A renovation loan can roll the cost of the work into one mortgage, based on the value after the work.
- Rebuild. Construction financing pays the builder in draws, then converts to a permanent loan when the home is finished.
Before you lean on a renovation or rebuild plan, check the City of Rollingwood’s permitting and development rules for that lot.
Jumbo is common. Many Rollingwood purchases are above the conforming loan limit. Jumbo lenders look closely at reserves, income documentation and the appraisal, and those requirements vary by lender and loan size.
The appraisal. In a small city with fewer sales, comparable sales can be thin, especially for a newly rebuilt home next to an older one. We talk about appraisal risk before you’re under contract, not after.
Loan-fit table
| Your situation | Loan types we usually compare | What we check first |
|---|---|---|
| Buying above the conforming loan limit | Jumbo | Reserves, income documentation and comps; requirements vary by lender |
| Buying to tear down and rebuild | Construction | Builder, plans, budget, and city permitting |
| Older home that needs work | Renovation loan | Scope, contractor bids and value after the work |
| Veteran buying at a higher price | VA | Entitlement and Certificate of Eligibility |
| Business owner | Bank statement or P&L | Deposits, ownership and write-offs |
| Retiree or investor with large balances | Asset depletion | Account statements and how assets are held |
| Buying a rental | DSCR | Market rent compared with the full payment |
| Buyer living outside the U.S. | Foreign national mortgage | Source of funds and planned use |
Programs Available to Rollingwood 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 Rollingwood 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, jumbo and VA loans cover most Rollingwood purchases, with construction and renovation financing for buyers planning work.
Property taxes in Rollingwood
I won’t quote a total tax rate for a Rollingwood 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 Rollingwood 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 Rollingwood bill typically includes Travis County, the City of Rollingwood and the school district, and may include other special districts. Check the TCAD parcel page for the exact list. If you rebuild, expect the appraised value to reset for the new improvements.
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 Rollingwood Buyers and Homeowners
A Rollingwood purchase, start to finish
- First conversation. Call or text (512) 593-1336. We talk about price, timing, down payment and how your income is documented.
- Documents. Pay stubs and W-2s, tax returns, bank or business statements, or asset statements, depending on the loan type.
- Pre-approval. We compare more than 50 wholesale lenders and issue a pre-approval for the loan you’ll actually use.
- Address-level check. For the home you like, we pull the TCAD record, confirm the school district, and if you’re planning work, line up the budget and permitting questions.
- Under contract. We lock when you’re ready, order the appraisal and work with the title company.
- Underwriting. We tell you what the underwriter needs and why, in plain English.
- Closing. You sign and get keys. Then file your homestead exemption.
Refinancing
If you already own in Rollingwood, 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 financed a rebuild with a construction loan, we can also look at refinancing once the home is complete. 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 Rollingwood
Rollingwood is small, so it doesn’t divide into many named neighborhoods. What matters more for a loan is the kind of house on the lot:
- Original homes. Older homes where the inspection, systems and roof drive the decision to keep, renovate or rebuild.
- Renovated homes. Updated houses where the appraisal leans on recent comparable sales.
- New rebuilds. Newer homes on established lots, often at jumbo loan amounts.
We also work with buyers comparing Rollingwood with nearby West Lake Hills, Zilker and central Austin.
Questions before an offer
- Keep, renovate or rebuild? Decide before you choose a loan.
- What does the city allow on this lot? Check permitting and development rules.
- How will it appraise? Ask about recent comparable sales.
- Which school district? Confirm Eanes ISD by address.
- How much will you have left after closing? Jumbo lenders look at reserves.
- Is it near a creek? Check the FEMA flood zone early.
- What does insurance cost? Get a quote early.
Talk to Someone Who Knows Rollingwood
- 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 Rollingwood 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, Lakeway, our Austin page, or every Texas area we serve.
Frequently Asked Questions
Is Rollingwood its own city?
Yes. Rollingwood is its own incorporated city in Travis County, just west of Austin near Loop 360. It was founded in 1955 and incorporated in May 1963, according to the Handbook of Texas. It has its own city government, so its rules and tax line are separate from the City of Austin’s.
Can I finance a Rollingwood teardown and rebuild?
Often, yes. Construction financing pays your builder in stages and converts to a permanent loan when the home is finished. Lenders review the builder, plans and budget, and requirements vary by lender. Check the City of Rollingwood’s permitting rules for the lot before you count on a rebuild plan.
Which school district serves Rollingwood?
The Handbook of Texas records Rollingwood as part of Eanes ISD. School district lines are set address by address, though, so confirm the specific property with Eanes ISD and the Travis Central Appraisal District record before you rely on a particular school when choosing a home.
Can I renovate an older Rollingwood home with my mortgage?
Often, yes. A renovation loan can roll the cost of repairs or updates into one mortgage, based on the home’s value after the work. Lenders review the scope and contractor bids, and requirements vary by lender. Check city permitting before you settle on a renovation budget or plan.
How do jumbo reserves work in Rollingwood?
Reserves are money you still have after closing, usually counted in months of your full payment. Jumbo lenders often ask for more than conventional lenders, and retirement or investment accounts may count. How much they want varies by lender and loan size, so we compare several before you make an offer.
Can I use a VA loan in Rollingwood?
Yes. VA loans can be used at higher price points, and veterans with full entitlement may not face a VA loan limit. Lenders still set their own guidelines on larger loans, and requirements vary by lender. We check your Certificate of Eligibility and compare several lenders before you make an offer.
Can business owners qualify without tax returns in Rollingwood?
Possibly. Bank statement and P&L loans qualify self-employed buyers on deposits or business profit instead of tax returns, and some lenders offer them at jumbo loan sizes. Down payment and reserve requirements vary by lender, so we compare several and show you which programs fit your situation.
Do you have an office in Rollingwood?
No. Our office is in Austin, by appointment. We serve Rollingwood buyers by phone, video, text and online document upload, so you never have to drive in. If you’d rather meet face to face, call or text (512) 593-1336 to set a time.
Dustin Edwards. Clay Wilson, NMLS 1849979. (512) 593-1336. Rated 4.9 on Google (79 reviews).
Sources
Sources checked October 24, 2026.
- Handbook of Texas Online, “Rollingwood, TX” (Hatley 1955 founding, May 1963 incorporation, Loop 360, six miles west of Austin, Eanes ISD, population, coordinates): https://www.tshaonline.org/handbook/entries/rollingwood-tx
- City of Rollingwood: https://www.rollingwoodtx.gov/
- Eanes ISD: https://www.eanesisd.net/
- Travis Central Appraisal District: https://traviscad.org/
- Texas Comptroller, Property Tax Exemptions ($140,000; $60,000 65+/disabled; local options): https://comptroller.texas.gov/taxes/property-tax/exemptions/
- Texas Tax Code §11.13: https://statutes.capitol.texas.gov/Docs/TX/htm/TX.11.htm
- Texas Tax Code §23.23: https://statutes.capitol.texas.gov/Docs/TX/htm/TX.23.htm
- Texas Tax Code §41.44: https://statutes.capitol.texas.gov/Docs/TX/htm/TX.41.htm
- FEMA Flood Map Service Center (flood zone lookup): https://msc.fema.gov/portal/home