“I highly recommend LendFriend! They helped me understand every step throughout the process. I had a direct contact for any questions I had in real time. Customer service is top notch. They handled all of the hard things so that we could find the right home. They really cared about getting the right financing option us and help us get a solid rate. I’ll recommend LendFriend to anyone I know who is looking for a home.”
Mortgage Broker serving Georgetown (Austin, TX)
Buying in Georgetown takes a mortgage team that knows the area and can keep pace with a competitive purchase. LendFriend Mortgage gives Georgetown buyers fast preapprovals, clear loan options, and consistent communication from application through closing. Whether you're buying in the historic Square, Wolf Ranch, Berry Creek, or Sun City, we help you understand your payment, cash to close, and financing options before you make an offer. When a purchase is time-sensitive, we can provide same-day preapprovals and keep the loan moving toward closing.
Fast Mortgage Preapprovals for Georgetown Homebuyers
Georgetown is the Williamson County seat, about 30 miles north of downtown Austin along I-35, and is known for its historic courthouse square and Southwestern University. Housing ranges from Victorian-era homes near the Square to master-planned communities such as Wolf Ranch and Berry Creek, along with Sun City Texas, one of the largest active adult communities in the state.
We review income, assets, and the property early, because historic homes, new construction, and age-restricted communities each raise different appraisal and underwriting questions. Our team at LendFriend Mortgage remains involved through appraisal, underwriting, and closing, with proactive updates for you and your agent at each step.
Built for Competitive Georgetown Purchases
Georgetown draws buyers from across the country, including retirees and remote professionals, and well-priced homes near the Square and in established neighborhoods move quickly. We provide detailed preapprovals backed by an upfront review of income, assets, credit, and property goals, helping buyers move confidently when the right property becomes available.
When a contract calls for a fast timeline, LendFriend can close on your loan in as little as 14 days.
Who We Help in Georgetown
Many of the Austin-area homebuyers drawn to Georgetown do not fit neatly into a standard mortgage profile. We work with borrowers across Georgetown and the surrounding Williamson County communities who need financing that reflects how they earn, invest, and plan to use the property.
- Retirees and buyers relocating for retirement. Many buyers in Sun City and elsewhere in Georgetown are living on investment income, pensions, and retirement distributions rather than a paycheck. We structure financing around how that income is documented.
- High-net-worth buyers. Borrowers with significant brokerage, retirement, or other liquid assets may be able to qualify with an asset depletion mortgage without relying primarily on employment income or selling investments.
- First-time and move-up buyers. We help buyers understand down payment options, monthly payments, property taxes, and closing costs, including how to buy before selling their current home.
- Buyers purchasing new construction. Builder timelines, extended rate locks, and incentive structures all affect the true cost of a loan. We help buyers compare a builder’s preferred lender against outside financing before they commit.
- Buyers of older homes near the Square. Historic homes can involve foundation and systems questions, renovation plans, and appraisals that need genuinely comparable sales.
- Self-employed business owners. Legitimate write-offs can leave taxable income well below a business owner’s actual cash flow. A bank statement loan or another Non-QM program can provide a different path to qualification.
- Georgetown real estate investors. Rental demand near Southwestern University and along the I-35 corridor is steady. DSCR and other investment-property loans can qualify a purchase largely on rental income.
- Homeowners refinancing or accessing equity. We help Georgetown owners evaluate rate-and-term refinances and cash-out options when they want to lower costs, consolidate obligations, or access equity.
- Buyers relocating to the Austin metro. When the move comes with a firm deadline, we can provide quick preapprovals, clear communication, and closings in as little as 14 days for eligible transactions.
Looking at other communities around Austin? We also help buyers in Round Rock, Leander, Liberty Hill, and Cedar Park.
Mortgage Options Built For Georgetown Borrowers
Georgetown attracts a wide range of buyers, from retirees and first-time purchasers to growing families, business owners, and real estate investors. We offer Texas mortgage programs suited to straightforward and more complex financial profiles alike.
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Conventional Home Loans in Georgetown
Competitive conventional financing for resale homes, new construction, and homes in age-restricted communities, with options for first-time buyers, repeat homeowners, and borrowers seeking flexible down payments.
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Jumbo Loans in Georgetown
Jumbo financing for larger homes and golf-course properties above conforming limits, with competitive fixed and ARM options, including low-down-payment programs for qualified buyers.
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Bank Statement Loans in Georgetown
Self-employed borrowers can qualify using 12 or 24 months of eligible deposits rather than relying solely on tax-return income. Bank statement loans are particularly useful for business owners with substantial legitimate deductions.
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VA Home Loans in Georgetown
Eligible veterans and active-duty service members can finance a purchase with VA financing, which carries no monthly mortgage insurance and extends to VA jumbo loans when the price calls for it.
Asset Depletion Mortgages in Georgetown
High-net-worth and retired borrowers may be able to qualify using asset depletion loans, which count eligible brokerage, retirement, and other liquid assets toward qualification without depending primarily on employment income.
Crypto Mortgages in Georgetown
Borrowers with significant digital-asset holdings may qualify for a crypto mortgage that counts eligible cryptocurrency as part of their overall financial profile, depending on the program and how the assets are held.
Professional Mortgages in Georgetown
Physicians, dentists, executives, and other highly compensated professionals may qualify for programs built around strong earning potential, complex compensation, and larger loan amounts. Attorneys and law firm partners have a dedicated option in an attorney mortgage.
DSCR Loans for Georgetown Investment Properties
Investors purchasing rental homes across Georgetown and the I-35 corridor can use DSCR financing that focuses primarily on the property’s rental income rather than traditional personal-income documentation.
BORROWER TESTIMONIALS
See Why Austin Borrowers Choose LendFriend Mortgage
From first-time homebuyers and business owners to jumbo borrowers and clients with complex income, see what borrowers across Austin say about working with LendFriend Mortgage.
★★★★★
“Super impressed with how fast and smooth the whole process was — especially given my complex RSU comp structure that traditional banks kept discounting.
Eric and the team had no problem including my full base + RSU compensation. They were extremely fast, set clear expectations from the start, and followed through on everything they promised.
Honestly one of the easiest and most stress-free mortgage experiences I’ve ever had. Highly recommend!”
“As a 1099 worker with non-traditional income history, Eric was able to think outside the box and help me find a mortgage for my first home. The company was always problem-solving and the process was seamless. I have already recommended them to several other friends and colleagues. If you are a non-traditional borrower or are looking for someone that can come up with creative solutions, check out LendFriend!”
“Eric and the team at LendFriend were an absolute pleasure to work with. Having had terrible experiences in the past with national/online brokers, I wanted a local broker who I could build trust with. The team was always proactive in making sure the next steps were lined up and executed, it was never on me to guess what needed to happen. Eric answered texts off hours and helped me navigate unusual pathways - cross country move, potential job change mid-process, etc... Eric also introduced me to a terrific real estate agent who found us our dream house. A+ experience.”
“I had been looking for a house for 2-3 years and while it was a journey as a business owner with a difficult financial situation this company did what 6 others could not. They got me a jumbo loan based off my business income and when I needed more they just made it happen twice. This process of funding can be extremely difficult and basically a blow to the ego but Eric and his team are literally magicians and my fiance and I are now closed on our dream house. I recommend them whole heartedly.”
“Eric and his team were incredibly helpful and communicative throughout the lending and refinancing process, and made me feel very supported. Will definitely go back to them in the future.”
“LendFriend was referred to me by a colleague and good friend who spoke very highly of them as mortgage brokers, and they absolutely lived up to the recommendation. My husband and I had an outstanding experience working with LendFriend throughout our home-buying journey. Eric, Crystal, and Morgan truly are an A-team!
From start to closing, they were incredibly helpful, responsive, and knowledgeable, always taking the time to clearly explain every step of the process. They secured us a very competitive interest rate and made sure we fully understood each detail along the way. I reached out to Eric on 1/13/26 and closed on our home by 2/12/26.
They worked seamlessly with our timeline and made the process incredibly efficient. We genuinely felt supported from beginning to end, which made the entire experience smooth and stress-free. We’re so grateful for this amazing team and highly recommend them to anyone looking to purchase a home!”
“LendFriend Team, I wanted to express my gratitude for your professionalism and guidance in securing the financing for our new home.
The world of mortgages felt overwhelming and honestly in my current position I was almost about to give up, but you made it possible with a clear process and super straightforward.
We were impressed with your ability to secure loan (Non-QM/Asset-based), I looked around and there are very few who are interested in posting these type of loans, and I know there are a lot of people like me out there.
The clarity and responsiveness were a huge comfort. We truly appreciate your hard work in making our home-ownership dream a reality.”
Stronger Negotiating Position when Buying a Home
The equity in your current home is unlocked and used as a downpayment on your new home; meaning no sales contingency required! Sellers HATE sales contingencies. Without a sales contingency, your offer is stronger, increasing your chances of buying your next home with ease.
Get the Highest and Best Sale Price
Without feeling pressured to sell quickly, you can wait for the best offer on your current home. List your home at the best time, market it effectively, and attract more competitive offers. With no rush, you can negotiate better terms and get the highest selling price.
Reduced Stress
Don't worry about finding temporary housing or organizing multiple moves. Avoid the chaos of having to coordinate the sale of your current home and the purchase of a new one. Transition seamlessly from one home to another and reduce stress or anxiety, making the moving process more manageable and organized.
Time for Improvements
Make necessary renovations or updates to your new property before you move in. Painting, remodeling, or other improvements would be more challenging if you were already living there. Moving into a freshly updated home (instead of living in it during renovations) is just so much nicer!
FAQs About Mortgages in Georgetown
Can retirees qualify for a mortgage in Georgetown without employment income?
Yes. Retirees can qualify using Social Security, pension income, and retirement distributions, and borrowers with substantial savings can use an Austin asset depletion loan that converts eligible assets into qualifying monthly income. Retirement income is often spread across several accounts, so how a lender documents it belongs among the questions to ask your mortgage lender.
How does a divorce affect the mortgage on a Georgetown home?
The spouse who keeps the home typically refinances the existing mortgage into their own name and buys out the other spouse’s equity. In Texas, that buyout can be structured with an owelty lien, which avoids the stricter limits placed on cash-out refinances, as outlined in using owelty liens in a Texas divorce.
Can I obtain a mortgage on a home in Sun City Texas?
Yes. Homes in Sun City are financed with the same conventional loans, jumbo loans, and asset depletion loans used elsewhere in Georgetown, and buyers in age-restricted communities have access to most of the same loan options as any other purchase. Lenders count HOA dues along with property taxes in the monthly payment, and buyers should budget separately for closing costs in Texas.
Do larger homes in Berry Creek and Wolf Ranch require a jumbo loan?
Some do, particularly custom and golf-course homes above conforming limits. Austin jumbo loans cover those purchases with fixed and ARM options. Pricing varies considerably between lenders, as securing the best rates on a Texas jumbo loan explains.
Is it possible to get a mortgage in Georgetown if I am self-employed?
Yes. Business owners can qualify using 12 or 24 months of deposits through an Austin bank statement loan rather than tax returns. Pricing and requirements vary considerably, as the best lenders for self-employed borrowers in Austin show.