Mortgage Broker in Buda, TX

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

Or call or text 512-766-7660.

Home Loans in Buda

Buda gives buyers something rare on the I-35 corridor: a real historic Main Street, with antique shops and small-town events (yes, the Buda Wiener Dog Races are a real annual tradition), sitting just south of the Austin city line. Commutes to south Austin employers are short, and the Tesla corridor is reachable via SH-45, so plenty of buyers get big-city paychecks with a small-town front porch.

Mortgage Austin is a wholesale mortgage broker working with Buda buyers on exactly three products: Conventional, VA, and FHA. We shop each application across multiple wholesale lenders that compete on rate and fees, rather than pricing you off one institution’s sheet. Low overhead and a short menu are what let a local broker beat bigger names on cost.

Anthony Ferrando, the broker and owner, works every file himself. From the first pre-approval conversation to the closing table, your questions go to the person making the decisions on your loan.

How Much Can You Borrow in Buda in 2026?

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

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

Down payment assistance is available in Hays 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 Hays County?

Hays County homeowners pay an average effective property tax rate of roughly 1.58% (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 Hays County taxes and insurance included, never just principal and interest.

What Is the Buda 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).

The metro’s swollen inventory and slower pace reach Buda as well, so buyers here can negotiate on price and credits again, whether the target is a new Sunfield build or an older place off a county road. For current numbers, see our Austin housing market and Austin mortgage rates pages, both updated regularly.

Buying a Home in Buda

Buda’s location does a lot of work. Sitting just south of the Austin line on I-35, it puts south Austin employers within a short commute, and the Tesla corridor is a straight shot via SH-45. The landmark Cabela’s at I-35 has anchored the retail scene for years, while the historic Main Street, with its antique shops and steady calendar of small-town events, gives Buda a downtown character that most fast-growing suburbs never had to begin with.

The housing stock splits into two very different financing profiles. On one side are the newer master-planned communities: Sunfield, known for its lazy-river amenity, plus Whispering Hollow and Garlic Creek. Most of these sit in MUD districts, so their effective tax rates run above the base Hays County figure of 1.58% (SmartAsset). On the other side are older properties on county roads outside the districts, which tax differently and can raise their own appraisal and financing questions. The right loan structure depends on which side of that line your home falls on.

Buda homes feed Hays CISD, and the combination of schools, Main Street, and proximity to Austin keeps demand steady across both halves of the market. When we quote a Buda payment, we verify the specific property’s tax situation first, because a Sunfield address and a county-road address at the same price can carry meaningfully different monthly costs.

Loan Options for Buda 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 Buda? See refinance options. We cover the wider county picture on our Hays County page.

Frequently Asked Questions

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.

Ready to Talk About Buda?

A discovery call costs nothing and takes about 15 minutes. We will map out your numbers, no pressure, no obligation.