Strategic Mortgage Company for Real Results
Serving Austin individuals and businesses with integrity since 2013. Schedule your consultation today.
How We Help
Expert mortgage company services designed to deliver results.
Conventional Mortgages
Conventional Mortgages
Traditional fixed and adjustable-rate mortgage programs for qualified borrowers purchasing primary residences, second homes, or investment properties.
- Competitive interest rates
- 15, 20, and 30-year term options
- As little as 3% down for qualified buyers
FHA & VA Loans
FHA & VA Loans
Government-backed loan programs offering flexible qualification requirements and low down payment options for first-time buyers and veterans.
- FHA loans with 3.5% down
- VA loans with zero down payment
- More flexible credit requirements
Refinancing
Refinancing
Rate-and-term and cash-out refinance options to lower your monthly payment, shorten your term, or access your home equity for major expenses.
- Break-even analysis provided
- Streamline refinance options for existing FHA/VA loans
Jumbo Loans
Jumbo Loans
Financing for high-value properties exceeding conventional loan limits, with competitive rates and flexible underwriting for qualified borrowers.
- Loan amounts up to $3 million
- Portfolio lending options
Pre-Qualification & Pre-Approval
Pre-Qualification & Pre-Approval
Fast, thorough pre-approval process that gives buyers confidence and credibility when making offers in competitive markets.
- Same-day pre-approval letters
- Full underwriting review available
Home Equity Loans & HELOCs
Home Equity Loans & HELOCs
Access your home equity through fixed-rate home equity loans or flexible home equity lines of credit for renovations, consolidation, or investments.
- Competitive rates below unsecured debt
- Potential tax-deductible interest
How It Works
A simple, transparent process from start to finish.
Free Consultation
Share your needs and goals. We'll listen carefully and propose the best path forward.
Strategy Development
We create a detailed plan tailored to your specific situation and objectives.
Expert Execution
Our experienced team implements the strategy with precision and regular progress updates.
Deliver Results
We ensure exceptional outcomes and provide ongoing support for continued success.
About Austin Mortgage Company
At Austin Mortgage Company, we've been proudly serving Austin since 2013. Founded by Emily Brown, our team is dedicated to providing exceptional mortgage company services. We believe in honest work, fair pricing, and building lasting relationships with our customers.
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Our Track Record
Results that speak for themselves.
Case Studies
Real results for real clients.
Comprehensive Mortgage Company Solution
Delivered a tailored approach that exceeded expectations and achieved measurable results for the client.
Strategic Partnership Success
Built a long-term partnership focused on continuous improvement and growth for the business.
Complex Challenge Solved
Navigated a complex situation with expertise and care, ensuring the best possible outcome.
Resources & Guides
Free resources to help you make informed decisions.
Industry Insights
Latest trends and insights to help you make informed decisions.
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Getting Started Guide
Everything you need to know before your first appointment.
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Common Questions Answered
Quick answers to the questions we hear most often.
Read More →Latest Articles
Expert insights, tips, and news from our mortgage company team.
EducationMortgage Pre-Approval: What It Is and Why It Matters
Understanding the difference between pre-qualification and pre-approval, and why sellers take pre-approved offers more seriously.
Read More →
CreditHow to Improve Your Credit Score Before Applying for a Mortgage
Actionable steps you can take in 30-90 days to boost your credit score and qualify for better mortgage rates.
Read More →ProgramsFirst-Time Homebuyer Loan Programs You Might Not Know About
FHA, VA, USDA, state programs, and down payment assistance — explore every option available to make homeownership affordable.
Read More →
RefinancingWhen Does Refinancing Your Mortgage Actually Make Sense?
The break-even formula, rate thresholds, and life situations that make refinancing a smart financial move.
Read More →Closing Costs Demystified: What You Will Actually Pay
A line-by-line breakdown of typical closing costs so there are no surprises on settlement day.
Read More →Problems We Solve
Common challenges our customers face — and how we help.
Are your real estate agent referral partners sending leads elsewhere?
Agents partner with lenders who make their transactions smooth. If agents cannot easily refer clients to your website or track their pre-approval status, they send business to competitors.
Is your loan application process driving borrowers to online lenders?
Borrowers expect a modern, digital application experience. Paper-heavy processes and slow communication lose clients to fintech lenders who offer instant pre-approvals.
Are you losing rate-shoppers because they cannot quickly compare your options?
Borrowers compare multiple lenders before committing. Without clear, accessible rate information and a compelling reason to choose you, price shoppers move on.
Is following up with pre-approved borrowers who have not found a home yet falling through the cracks?
Pre-approved buyers who do not hear from you regularly will get re-approved somewhere else when they finally find a property. Long-term nurturing is essential but easy to neglect.
Frequently Asked Questions
Got questions? We've got answers.
What credit score do I need to buy a home?
Conventional loans typically require a 620+ score, FHA loans 580+ with 3.5% down, and VA loans have no minimum but most lenders look for 620+. We work with a range of credit profiles and can advise on improvement strategies.
How much down payment do I need?
Down payment requirements range from 0% for VA loans, 3% for some conventional programs, and 3.5% for FHA loans. We also help identify down payment assistance programs you may qualify for.
How long does the mortgage process take?
Most loans close within 30-45 days from application. We can expedite to 21 days when needed for competitive situations. Pre-approval takes just 24-48 hours.
Should I choose a fixed or adjustable rate?
Fixed rates offer predictability, while ARMs often start lower and can save money if you plan to move or refinance within 5-7 years. We will model both scenarios for your specific situation.
What Our Customers Say
Don't just take our word for it — hear from our satisfied customers.
“As a first-time buyer with a 640 credit score, I thought homeownership was years away. They found an FHA program that got me into my home with just 3.5% down. I closed in 28 days.”
Sarah Smith
“We refinanced from a 6.5% to a 4.9% rate and are saving $380 per month. The process was smooth and they even covered a portion of the closing costs.”
Michael Williams
“I am a real estate agent and I refer all my buyers to this team. They communicate proactively, close on time, and make me look good. That is all I can ask for.”
Emily Brown
“The VA loan process can be complicated, but they handled everything. As a veteran, I appreciated their knowledge of VA-specific requirements and got into my home with zero down.”
James Jones
Schedule Your Free Consultation
Take the first step today. Our team is ready to help.
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Get In Touch
Ready to get started? Contact us today for a free consultation and estimate.
Phone
(555) 520-1420
Address
520 Main Street, Austin, TX