Mortgage Broker in Round Rock, TX

Mortgage Broker in Round Rock, TX

Conventional, VA, and FHA loans for Round Rock buyers, from a low-overhead local broker. Wholesale pricing, fast closings, and straight answers from Anthony Ferrando, NMLS #1919613.

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Home Loans in Round Rock

Round Rock draws buyers for reasons that have not changed in twenty years: strong schools, a short run up I-35 to Austin jobs, and more house for the money than you get closer to downtown. What has changed is the market itself. With inventory up across the metro, Round Rock buyers can negotiate again, and the loan you bring to the table matters more than it did during the bidding-war years.

Mortgage Austin is a wholesale mortgage broker based in Austin, working with Round Rock buyers every month. Instead of one bank’s rate sheet, your application is shopped across multiple wholesale lenders that compete for the loan. We keep the product menu narrow on purpose, Conventional, VA, and FHA only, which keeps our pricing sharp and our files moving fast.

You work directly with Anthony Ferrando, the broker and owner, from first call to closing. No call centers, no handoffs, and no loan officer learning on your file.

How Much Can You Borrow in Round Rock in 2026?

Loan limits are set by county, and Round Rock sits in Williamson County, so the 2026 numbers below apply to every Round Rock purchase. VA loans have no set limit for eligible borrowers with full entitlement.

Loan type2026 limit in Williamson County (one unit)
Conventional (conforming)$832,750
FHA$571,550
VANo set limit with full entitlement

Sources: FHFA and HUD CY2026 loan limits, effective January 1, 2026.

Down payment assistance is available in Williamson County through TSAHC’s Home Sweet Texas and Homes for Texas Heroes programs: up to 5% of the loan amount, with an income limit of $107,520 and a purchase price limit of $598,019 (up to $730,913 in targeted areas) as of June 13, 2026. Details on our down payment assistance page.

What Do Property Taxes Look Like in Williamson County?

Williamson County homeowners pay an average effective property tax rate of roughly 1.49% (SmartAsset), compared with a Texas average of about 1.31%. Texas has no state income tax, so property taxes carry more of the load, and they are usually collected monthly through your mortgage escrow account. When we quote a payment, we quote the full payment with Williamson County taxes and insurance included, never just principal and interest.

What Is the Round Rock Housing Market Like Right Now?

Across the Austin metro, buyers currently have real leverage: about 17,660 active listings, 6.0 months of supply, a median sold price of $445,000, and homes averaging 68 days on market (Team Price Austin-Area Market Report, July 23, 2026).

Round Rock tends to hold value better than the metro as a whole because demand from relocating families and Dell-corridor employees stays steady, but the same negotiating leverage applies: sellers are pricing realistically and repair credits are back on the table. For current numbers, see our Austin housing market and Austin mortgage rates pages, both updated regularly.

Buying a Home in Round Rock

Round Rock is anchored by Dell’s global headquarters, and the employment base has broadened around it: Kalahari Resorts, Baylor Scott and White plus Ascension Seton hospital campuses, and a fast-growing healthcare and tech corridor along University Boulevard. That employer depth is one reason lenders view Round Rock files favorably and appraisals rarely surprise anyone.

Popular neighborhoods each finance a little differently. Teravista and Paloma Lake carry MUD or PID assessments that change your effective tax rate street by street. Forest Creek and Walsh Ranch are established areas where conventional financing with 5% to 10% down is the norm. Newer construction near SH-130 often comes with builder incentives that pair well with a seller-paid rate buydown, and we routinely compare the builder’s preferred-lender offer against wholesale pricing so you know which is actually cheaper.

Commutes matter for value here: I-35, SH-45, and SH-130 give Round Rock three routes into the Austin job centers, and homes with easy toll access tend to sell faster. Add Round Rock ISD’s reputation and the Dell Diamond and outlet-district amenities, and you get a market where entry-level and move-up homes both stay liquid.

Loan Options for Round Rock Buyers

We originate three loan types, on purpose. A narrow menu keeps our pricing sharp and our closings fast.

Conventional loans: from 3% down, the workhorse for most buyers with solid credit.

VA loans: 0% down and no monthly mortgage insurance for eligible veterans and service members.

FHA loans: 3.5% down with credit scores from 580, the flexible-credit path.

First purchase? Start with our first-time buyer programs and TSAHC down payment assistance. Already own in Round Rock? See refinance options. We cover the wider county picture on our Williamson County page.

Frequently Asked Questions

How much do I need for a down payment in Round Rock?
Eligible veterans can buy with 0% down using a VA loan. Conventional loans start at 3% down and FHA at 3.5%. At the metro’s median sold price of $445,000 (Team Price, July 2026), 3% down is about $13,350. TSAHC assistance can cover part of that for qualifying buyers.
What credit score do I need to buy a house in Round Rock?
FHA loans allow scores as low as 580 with 3.5% down. Conventional loans generally start around 620, with the best pricing above 740. VA has no program-wide minimum, though lender guidelines apply. All loans are subject to credit, income, and property qualification.
Is there down payment assistance for Round Rock buyers?
Yes. Round Rock is in Williamson County, where TSAHC’s Home Sweet Texas and Homes for Texas Heroes programs offer up to 5% of the loan amount in assistance. The income limit is $107,520 and the purchase price limit is $598,019 as of June 13, 2026. Teachers, nurses, first responders, and veterans qualify for the Heroes version.
How long does it take to close on a home in Round Rock?
A clean, well-prepared file typically closes in around three weeks. Timing depends on the appraisal and title work, but because we keep a small pipeline, Round Rock files do not sit in a queue behind hundreds of others.
Why do Round Rock property taxes vary so much from one neighborhood to another?
Beyond the Williamson County and school district rates, many newer Round Rock neighborhoods sit in MUD or PID districts that add their own assessments. Two similar homes a mile apart can differ by hundreds of dollars a month in taxes. We pull the actual tax rate for the specific property before quoting your payment, so the number you plan around is the real one.

Ferrando Financial LLC dba Mortgage Austin | NMLS #2403080 | Anthony Ferrando NMLS #1919613 | Licensed in Texas. All loans subject to credit, income, and property qualification. Program terms and limits current as of the dates cited and subject to change. This page is educational and is not a commitment to lend or a rate quote. Equal Housing Opportunity.

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