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Loan Options

Whether you're exploring jumbo loans, conventions, FHA or VA financing, you'll find our suite of traditional loan products here. We also have a wide variety of niche specialty loan products  for non-traditional borrowers like self-employed borrowers. Whatever your goals, we're here to help you make smart, confident decisions.

Conventional Loans

The go-to choice for most first-time homebuyers. Conventional loans combine flexible terms with low down payment options—as little as 3%—and competitive rates. With strong credit, you can step into homeownership with confidence and build equity faster.

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VA Loans

VA loans are one of the most powerful benefits available to veterans, active-duty service members, and surviving spouses. With zero down, no PMI, and consistently lower rates, they make homeownership more affordable for those who’ve earned it.

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Jumbo Loans

Our jumbo loans provide the financing power high-end buyers need. Whether you’re purchasing a primary residence, second home, or investment property, our programs offer competitive rates and flexible terms designed to make financing large loans seamless.

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FHA

A smart option for first-time buyers and those with lower credit scores. FHA loans offer flexible credit requirements and down payments as low as 3.5%. 

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VA IRRRLs

Veterans and active military can enjoy a streamlined refinance with NO appraisal or income docs required. Close in 2 weeks and start saving!

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ARM Loans

A lower rate option compared to fixed rate loans. Perfect looking to sell or refinance within 5-10 years.

 

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Non-QM Loans

Flexible Mortgage Solutions with Unique Circumstance - like self-employed entrepreneurs, crypto investors and high-net-worth individuals.

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Refinances

Rate and term refinances can save you thousands of dollars on interest annually. Rates have dropped find out if you can save today!

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Cash-Out Refinances

Unlock your equity to consolidate debt, invest in other assets or renovate your home or pay for anything else you may want. 

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FAQs

What loan is best for first-time homebuyers in Austin, TX?

Most first-time buyers qualify with FHA loans because of the low down payment and flexible credit requirements. Others with stronger profiles may prefer conventional programs. First-time homebuyer loans make it possible to enter Austin’s housing market with more accessible terms.

How do VA and FHA loans differ for Austin homebuyers?

VA vs FHA loans show two very different paths. VA loans have no down payment or mortgage insurance but are limited to veterans. FHA loans require a small down payment and flexible credit rules, making them a good fit for many Austin buyers.

When does a jumbo loan make sense in Austin, TX?

A jumbo loan makes sense when a property’s price is higher than the maximum allowed for conventional mortgages. In Austin, this is common in luxury neighborhoods where standard loans can’t cover the full purchase price.

How can Austin homeowners use a cash-out refinance?

With a cash-out refinance, homeowners replace their current mortgage with a larger loan and take the difference in cash. In Austin, many use it to remodel older homes, pay off debts, or invest without adding extra monthly bills.

What are Non-QM loans for self-employed borrowers in Austin, TX?

Non-QM loans help Austin freelancers and business owners qualify without W-2s or tax returns. Instead, lenders review bank statements or alternative documents, making homeownership more accessible for self-employed borrowers with nontraditional income.