Mortgage Loan in Austin, TX – Home Loans Made Simple
Work with a local mortgage professional to secure great loan options in Austin. From Mueller, Domain, and South Congress, we make buying your dream home stress-free.
Start Your Home Loan in Austin
See how much home you can afford in under 60 seconds.
Buying a Home in Austin
Austin is one of the quickest-growing housing markets in the country. From the tech hub growth around The Domain to the vibrant culture of East Austin and the scenic views in West Lake Hills, Austin offers incredible diversity for homebuyers. Whether you are relocating for a job in the 'Silicon Hills,' looking to experience the Live Music Capital of the World, or searching for a family-friendly suburb like Round Rock or Cedar Park, navigating the Austin housing market requires a local professional.
As a local Austin mortgage lender, we understand the nuances of the local property taxes, neighborhood trends, and how to structure your loan to maximize your buying power in this competitive market.
Home Loan Options in Austin
We offer a comprehensive suite of mortgage products tailored to Austin buyers.
Conventional Loans
Ideal for buyers with good credit. Offers flexible terms and down payments as low as 3%.
Learn MoreFHA Loans
Perfect for first-time buyers. Requires just 3.5% down and offers flexible credit requirements.
Learn MoreVA Loans*
Exclusive 0% down* financing for our large military community.
Learn MoreUSDA Loans*
100% financing for eligible rural and suburban properties just outside the Austin city limits.
Learn MoreJumbo Loans
Financing for luxury properties that exceed standard conforming loan limits.
Learn More1x Close Construction
Build your dream home with a single closing for land, construction, and permanent financing.
Learn MoreHow Much Home Can You Afford in Austin?
Use our calculators to estimate your monthly payments, including local property taxes and insurance.
Mortgage Calculator
Estimate your monthly payments
Estimated Monthly Payment*
*Hypothetical monthly mortgage payments reflect hypothetical principal & interest amounts rounded-sm to the nearest dollar amount and do not include estimated insurance, taxes, or other possible fees. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer.
See What You Can Afford in 60 Seconds
Stop guessing. Get a realistic estimate of your maximum home price and monthly payment based on current Texas rates and guidelines.
- No credit check required
- Includes estimated Texas property taxes*
- Instant results delivered to you
First-Time Buyer Programs in Austin
Don't let a down payment hold you back. Austin and the state of Texas offer incredible grants and assistance programs to help you buy your first home.
- City of Austin Down Payment Assistance: Local funds to help eligible low-to-moderate income buyers cover down payment and closing costs.
- TSAHC Programs: Texas State Affordable Housing Corporation offers down payment assistance grants and MCCs.
- TDHCA My First Texas Home: Statewide program providing competitive fixed-rate mortgages and down payment assistance up to 5%.
Check Grant Eligibility
Find out if you qualify for Austin down payment assistance.
How to Buy a Home in Austin
A clear, step-by-step guide to securing your property.
Get Pre-Approved
Know your exact budget before you start touring homes in Austin.
Shop for Homes
Work with a local realtor to find the perfect home in your desired neighborhood.
Make an Offer
Submit a competitive offer. We'll ensure your financing looks rock-solid to the seller.
Close
Sign the final paperwork at a local title company and get the keys to your new home!
Why Choose Taylor Ring as your Austin, Texas Loan Officer?
Deep Market Knowledge
Out-of-state online lenders don't understand Texas property taxes, MUDs, or local HOAs. We accurately calculate your true monthly payment so there are no surprises.
Quicker Closings
Real estate moves fast here. We process and underwrite locally, allowing us to close your loan efficiently.
Personalized Service
You're not just a file number. You get a direct line to your loan officer who will guide you through every step of the buying process.
Austin Home Loan FAQs
Common questions about buying a home in Austin.
Explore Your Loan Options
Ready to Buy a Home in Austin?
Start today and get pre-approved* in as little as 24 hours. Your Austin dream home is waiting.