Austin, TX
Mortgage support for Austin buyers: first-time condos and FHA-eligible homes, jumbo loans on higher-priced properties, and bank statement loans for self-employed buyers.
Austin's housing market is many markets in one. A first-time buyer looking at a condo near St. Edward's faces a very different financing picture than someone buying a custom home in Westlake or an investor picking up a duplex south of Riverside. We work across the spectrum.
Austin home prices push more buyers into jumbo territory than people expect. Conforming loan limits in Travis County set a ceiling that a lot of central-Austin properties exceed. That's not a problem, but it changes the documentation and reserve requirements. On the other end, FHA and conventional 3%-down programs still work well for buyers in growing neighborhoods east and north of the core.
If you're self-employed (and a lot of Austin is), bank statement and VOE-only programs let you qualify on your actual cash flow rather than the tax-deduction-heavy income that conventional underwriters see. We work with Austin entrepreneurs, contractors, real estate investors, and tech workers regularly.
Vanessa Jones Schlomer (NMLS #893657), Branch Manager and Mortgage Loan Originator, operates out of Wimberley, TX and serves buyers across Texas plus California, Colorado, Florida, Georgia, North Carolina, South Carolina, and Tennessee.
Mortgages for loan amounts above the conforming loan limits set by the Federal Housing Finance Agency.
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Mortgages that follow Fannie Mae and Freddie Mac guidelines, with flexible terms for buyers with solid credit and stable income.
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Government-insured mortgages with low down payment options and more flexible credit requirements than conventional loans.
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Mortgage program that lets self-employed borrowers qualify using personal or business bank statements instead of tax returns.
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Investor financing where qualification is based on the property's rental income covering the debt service, not the borrower's personal income.
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Have a different question? See all mortgage FAQs or get in touch .
First-time homebuyer-friendly mortgage support for Kyle, between Austin and San Marcos along I-35.
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Mortgage options for San Marcos buyers, investors, and Texas State-area landlords.
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Mortgage support for Dripping Springs: the gateway to the Texas Hill Country, with a mix of subdivisions, acreage homes, and custom builds.
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Dive into the possibilities of homeownership — start with a no-obligation, free mortgage quote and see where your future can take you!
Don't just dream, act now! Apply directly for your loan and make your home aspirations a reality.
You have questions and we have answers.
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