Mortgage Broker in Cedar Park, TX

Mortgage Broker in Cedar Park, TX

Conventional, VA, and FHA loans for Cedar Park buyers, priced at wholesale by a local broker. Direct access to Anthony Ferrando, NMLS #1919613, from application through closing.

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Or call or text 512-766-7660.

Home Loans in Cedar Park

Cedar Park sits right on Austin’s northwest shoulder, close enough that the 183A toll road puts you in the tech corridor in minutes, far enough that you get established neighborhoods, mature trees, and a suburban pace. Buyers here range from first-timers picking up a 1990s resale near 183 to move-up families building new on the west side, and the financing question looks different for each of them.

Mortgage Austin is a wholesale mortgage broker serving Cedar Park with a deliberately short product menu: Conventional, VA, and FHA. Your file is priced across multiple wholesale lenders that compete for it, rather than being locked to a single bank’s rate sheet. A narrow menu means we know these three products cold and can move a clean file quickly.

Anthony Ferrando, the broker and owner, handles your loan personally. You get his cell number, your questions get answered the same day, and nothing about your file is delegated to a call center.

How Much Can You Borrow in Cedar Park in 2026?

Loan limits are set by county, and Cedar Park sits in Williamson County, so the 2026 numbers below apply to every Cedar Park 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 Cedar Park 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).

Cedar Park benefits from the same buyer leverage the wider metro is seeing, and its mix of established resales and newer construction gives shoppers real choice within one commute shed. Well-priced homes near the 183A corridor still move, so being fully underwritten before you offer matters here. For current numbers, see our Austin housing market and Austin mortgage rates pages, both updated regularly.

Buying a Home in Cedar Park

Cedar Park’s housing stock splits roughly by era. Closer to 183 you find mature, tree-lined neighborhoods built out in the 1990s and 2000s, including Buttercup Creek and the Twin Creeks country club community, where conventional resale financing is the standard play. Push west and the sections get newer, with builder inventory that often comes bundled with incentives. We regularly run the resale-versus-new-build comparison side by side, because the cheaper sticker price is not always the cheaper monthly payment once taxes and incentives are factored in.

Taxes deserve a close look before you commit to a payment. Some Cedar Park areas carry MUD assessments on top of county and school rates, while older sections do not, so two similar homes can carry noticeably different tax bills. School boundaries also matter to buyers here: most of the city feeds Leander ISD, with a portion in Round Rock ISD, and we see families choose streets specifically for that line. Ranch at Brushy Creek and the neighboring Avery Ranch area on the Austin side are common targets for exactly that reason.

Day to day, Cedar Park earns its keep. The HEB Center hosts concerts and Texas Stars hockey, the Brushy Creek regional trail system threads through the city for runners and cyclists, and the Lakeline Mall retail corridor on the Austin border covers most errands without a highway drive. Homes with quick 183A access into northwest Austin tend to stay the most liquid.

Loan Options for Cedar Park 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 Cedar Park? See refinance options. We cover the wider county picture on our Williamson County page.

Frequently Asked Questions

How much down payment do I need to buy a house in Cedar Park?
VA loans allow eligible veterans to buy with 0% down. Conventional starts at 3% down and FHA at 3.5% with a 580 or higher credit score. Using the metro’s median sold price of $445,000 (Team Price, July 2026) as a reference, 3% down is about $13,350, and TSAHC assistance can cover part of that for qualifying buyers.
Should I finance a 1990s resale in Buttercup Creek differently than a new build on the west side?
The loan products are the same, but the math often is not. Established resales usually price out on a straight conventional loan, while new construction may come with builder incentives such as a seller-paid rate buydown. We compare the builder’s preferred-lender offer against our wholesale pricing on the same day so you can see which package actually costs less over time.
Do Cedar Park homes have MUD taxes?
Some do. Certain areas carry MUD assessments that raise the effective tax rate above the base Williamson County and school district rates, while many of the older neighborhoods near 183 do not. Because the difference shows up in your monthly payment, we pull the actual tax rate for the specific address before quoting a number.
Is there down payment assistance available in Cedar Park?
Yes. Cedar Park is in Williamson County, which is covered by TSAHC’s Home Sweet Texas and Homes for Texas Heroes programs. As of June 13, 2026, they offer up to 5% of the loan amount with an income limit of $107,520 and a purchase price limit of $598,019. Teachers, first responders, nurses, and veterans qualify for the Heroes version.
How fast can I close on a Cedar Park home?
A clean, well-documented file typically closes in around three weeks. Getting underwritten before you shop shortens the timeline further and strengthens your offer, which helps on well-priced homes near the 183A corridor that still draw multiple buyers.

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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