Mortgage Broker in Travis County

Loan Types We Specialize In

Explore the loan programs available to Travis County, TX home buyers and homeowners.

• 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 Travis County

We work with buyers and homeowners across Travis County, from the heart of downtown Austin to the quieter corners of Lakeway and Pflugerville. Our team handles conventional, FHA, VA, and jumbo loans, as well as financing for condos, multi-unit homes, and refinancing options tailored for the local market. Whether you’re looking at a single-family home in Westlake, a new build in East Austin, or a downtown condo, we understand the unique financing challenges that come with each. We help clients navigate local requirements and move confidently toward their next home. Buying north of the county line? See our Round Rock, TX mortgage broker and Leander, TX mortgage broker pages.

What Buying a Home in Travis County Is Really Like

Buying a home in Travis County feels different than anywhere else in Texas. Here, the real estate landscape shifts block by block. Downtown Austin’s condo market is robust, and many buildings require special attention during underwriting — association budgets, litigation history, and project approval can stretch timelines if you don’t know what to expect. We plan for that early, working closely with associations to gather the documentation lenders want before it turns urgent.

In neighborhoods with older homes like Hyde Park or Travis Heights, appraisals often flag items like outdated wiring, foundation work, or roof age. We’re ready for this and talk through renovation financing options or escrow holdbacks before you ever make an offer. In newer master-planned areas like Circle C, you’ll see more predictable appraisal outcomes, but sometimes competition means you need a Fast Approval to have your offer taken seriously.

Jumbo loans are a regular conversation in places like Westlake, Barton Creek, and parts of Central Austin where home values often exceed the conforming loan limit. In these situations, we work with buyers to compare jumbo options from different lenders, making sure qualifying requirements and documentation lines up with both the property and the borrower’s profile.

Multi-unit properties — especially in North Loop or parts of East Austin — bring up questions about using projected rental income to qualify. Lenders want details: signed leases, market rent analysis, sometimes even documentation of how utilities are split. We help clients prepare these documents upfront so there are no surprises late in the process.

Flood insurance isn’t a routine issue here, but it does come up in pockets along Shoal Creek or near the Colorado River. When it does, we help clients understand what’s required and how it factors into qualifying. And competition can be fierce in Travis County — it’s not unusual for a seller to expect proof of financing within hours, especially in multiple-offer situations. We make sure preapprovals are rock-solid and that you get real answers fast when timing matters.

Travis County facts and sources

About half of Travis County homes are owner-occupied, and Census counts more than 15,000 residential building permits in 2025. Nearly one in five residents was born outside the U.S., so ITIN and foreign national programs come up alongside conventional and jumbo loans.

How We Help Travis County Buyers and Homeowners

Our clients in Travis County come to us with a range of situations, and we meet each one with deep local knowledge. First-time buyers, especially those looking in neighborhoods like South Austin or Windsor Park, lean on us to explain what’s different about buying here — how HOA dues affect qualifying, what to expect from older properties, and how to make an offer stand out in a crowded field. We’re here for real conversations, not just filling out forms.

Move-up and downsizing buyers often need to coordinate a sale and purchase at the same time, especially in areas like Westlake or Tarrytown where timing matters. We guide clients through bridge loan options, simultaneous closings, and strategies to minimize risk and stress. When self-employed or commission-based buyers come to us — common in Austin’s start-up and creative economies — we help present income in a way underwriters understand, gathering the right documentation from the start.

Condo and multi-unit buyers encounter specific challenges. For condos, we work with association managers to get project questionnaires, insurance certificates, and budget reports that lenders always want. For two- to four-unit properties, we help buyers prepare complete rental histories and pro forma income statements, so the numbers line up with lender expectations.

Homeowners looking to refinance — whether to lower payments, tap equity, or switch loan types — appreciate that we pull from a wide range of lenders, not just one bank’s set of options. We compare offers, explain differences, and make sure our clients understand the costs and benefits before moving forward. For those facing tight timelines, like buyers in a bidding war or refinancing before a rate change, we streamline paperwork and keep communication open so there are no unwelcome surprises. Most importantly, we make sure you can talk to a real person, every step of the way.

Which loan fits a Travis County buyer

Terms vary by lender. No FICO, LTV, rate or reserve numbers shown on purpose.

Neighborhoods We Serve in Travis County

• Westlake: Known for its large homes and highly-rated schools, Westlake attracts families and professionals. Financing here often means jumbo loans and properties with unique features that require extra appraisal attention.
• Downtown Austin: High-rise condos dominate, drawing buyers who want walkability and amenities. Underwriting leans heavily on condo association health and project approvals, so we stay proactive with documentation.
• Hyde Park: A historic district with older homes, Hyde Park buyers often navigate appraisal repairs and unique property quirks. First-time buyers and renovation-minded clients are common here.
• East Austin: Rapidly changing, with a mix of new builds and vintage bungalows. Many buyers here are self-employed or purchasing duplexes, so creative qualifying and rental income analysis are routine.
• Circle C Ranch: Master-planned, newer homes. Buyers here value smooth closings and predictable timelines — especially families moving within the area for schools or more space.
• Travis Heights: Eclectic, close to downtown, and full of character homes. Appraisal surprises can pop up, so we talk through renovation financing and escrow options early on.
• Pflugerville: Just northeast of Austin, this area draws buyers looking for more space. FHA and VA loans are popular, and we help clients navigate the nuances of newer suburban developments.
• Lakeway: Homes near the lake attract move-up buyers and those wanting a quieter pace. Larger properties and unique features make detailed appraisals and insurance reviews important.
• Mueller: Planned community living with a mix of condos, townhomes, and single-family homes. Buyers here want green features, and we make sure energy efficiency upgrades are properly documented for lenders.

Programs Available to Travis County Buyers

Travis County does not have its own dedicated homebuyer assistance program, but Austin buyers can benefit from the City of Austin’s Down Payment Assistance Program, which is designed for first-time buyers purchasing within city limits. This program can help with upfront costs, but it comes with property and income guidelines, so we help clients determine eligibility early.

Statewide, Texas offers programs like the Texas State Affordable Housing Corporation (TSAHC), which supports first-time buyers, teachers, police officers, and certain other professions. TSAHC programs can provide down payment assistance or more flexible qualifying, especially helpful in Travis County’s competitive markets. The My First Texas Home program is another option for those who qualify, and it’s popular among buyers in neighborhoods like Windsor Park or Circle C Ranch who are purchasing their first property.

Terms and eligibility for these programs can change, and not every home or buyer will qualify. We always confirm current details for each client, so you get real answers based on your situation — not just generic advice.

Non-QM loans are for borrowers whose income is real but doesn’t fit a tax-return box: business owners, 1099 contractors, investors, retirees living on assets, and buyers without a Social Security number.

Non-QM loans

Non-QM loans are for borrowers whose income is real but doesn’t fit a tax-return box.

• Bank statement loans qualify you on 12 or 24 months of deposits instead of tax returns, at any price point.
• P&L loans use a profit-and-loss statement prepared by a CPA or tax preparer.
• DSCR loans qualify a rental on its rent. See also DSCR 5–8 unit loans, the DSCR second mortgage and our Texas DSCR guide.
• Asset depletion turns eligible savings and investments into qualifying income.
• ITIN and foreign national mortgages serve buyers without a Social Security number or U.S. credit history.
• WVOE loans: the lender verifies employment directly with your employer.
• Interest-only, non-warrantable condo and after bankruptcy or foreclosure loans cover what agency rules won’t. Waiting periods vary by lender and chapter.

See all non-QM loan options or the self-employed mortgage page.

Agency loans

Conventional, FHA and VA loans fit buyers with W-2 income and documented tax returns. Jumbo loans cover amounts above the conforming limit. Homeowners can also look at a refinance, cash-out refinance or HELOC.

Property taxes

Travis County homes are appraised by the Travis Central Appraisal District; see our Bee Cave page for homestead, cap and protest details.

Agency loan costs

No lender fees on agency loans (conventional, FHA, VA). Third-party costs may apply.

Talk to Someone Who Knows Travis County

If you want local answers from someone who lives and works in Travis County, give us a call or send a note. There’s no script or call center — just honest, straightforward guidance from our team. We’re licensed in Texas, proud to serve Travis County and Williamson County, and always here for your questions. Let’s talk about your options and what makes sense for you.

Talk to a broker about Travis County

CapFi Lending is a broker, not the lender. We work with more than 50 wholesale lenders and are licensed to make loans anywhere in Texas. Program terms are set by each lender.

Call or text (512) 593-1336, Mon–Sat 9–7. Office visits are by appointment in Austin.

Rated 4.9 on Google (79 reviews).

• Dustin Edwards, Founding Partner / MLO
• Clay Wilson NMLS 1849979.

By Dustin Edwards, NMLS 577050

Frequently Asked Questions

Nearby areas

Sources

• U.S. Census Bureau QuickFacts, Travis County, Texas, checked Oct 25, 2026.
• Travis Central Appraisal District, traviscad.org, checked Oct 25, 2026.
• Texas Tax Code §§11.13, 23.23, 41.44; Texas Comptroller homestead guidance, checked Oct 25, 2026.