Mortgage Austin Journal
Rates, programs, and local market moves, explained without the jargon.
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One spouse keeps the house, the other gets paid for their share. Here is how a divorce home buyout works in Austin, from the owelty lien to the refinance that makes it official.
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Austin Market
Texas's small-lot law is bringing lower-priced starter homes to the Austin metro. Here is what changed, where the homes are,…
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Austin Market
Georgetown draws Austin buyers with newer homes and real negotiating room. Here are the 2026 prices, taxes, and loan numbers…
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Buying a Home
Adding a parent to your mortgage can turn a declined file into an approval. How co-borrowing works in Austin, whose…
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Buying a Home
Appraisal waivers let some Austin buyers skip a $600 fee and close faster. Who qualifies in 2026, how lenders decide,…
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Buying a Home
A 2-1 buydown and discount points both lower your payment in different ways. Compare real costs on a typical Austin…
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Buying a Home
Texas HELOC rules surprise a lot of Austin homeowners. These five myths cover borrowing caps, rate risk, and when a…
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Buying a Home
Two conventional programs let Austin buyers put 3% down, but they fit different situations. Compare HomeReady and Conventional 97 on…
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Buying a Home
Family gift money can cover part or all of an Austin down payment. These seven documentation and timing mistakes are…
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Buying a Home
From executed contract to keys in hand: the option period, appraisal, underwriting, and closing deadlines that shape a 30-day Austin…
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Buying a Home
Adjustable-rate mortgages are back on Austin buyers' radar. Here is a plain-language framework for deciding whether an ARM or a…
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Buying a Home
A buyer falls for a house near Onion Creek, then learns it sits in Zone AE. What flood insurance costs…
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Buying a Home
A practical mortgage pre-approval checklist for Austin buyers: the documents lenders want, credit prep, budget math at current rates, and…
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Home Owner Tips
When a homeowner dies in Texas, the house does not quietly pass to the family. It enters a legal process…
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Mortgage Tips
Seven questions Austin homeowners ask before refinancing: what it costs, when the math works, Texas cash-out rules, PMI removal, and…
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Buying a Home
You do not need an investor loan or 25 percent down to buy a duplex in Austin. Six house hacking…
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Buying a Home
The VA funding fee is the one big upfront cost on a VA loan. Here is the 2026 fee table,…
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Buying a Home
TSAHC's Homes for Texas Heroes program covers up to 5% of your loan amount for down payment and closing costs.…
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Buying a Home
PMI does not have to last the life of your loan. Here are the four removal paths Austin homeowners can…
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