Mortgage Austin Journal
Rates, programs, and local market moves, explained without the jargon.
Home Owner Tips
When a homeowner dies in Texas, the house does not quietly pass to the family. It enters a legal process most people first learn about while grieving, and the decisions made in those early…
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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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Buying a Home
Sold your old house after buying the new one? A mortgage recast applies that lump sum to your loan and…
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Buying a Home
The most expensive first-time buyer mistakes in Austin happen before the first tour. The pre-approval, debt, and budget missteps that…
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Buying a Home
FHA and VA loans in Austin can be assumed by qualified buyers, rate and all. How assumptions work, the equity…
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Buying a Home
What doctor loans offer Austin medical residents, where the fine print costs you each month, and when a Conventional 97…
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Buying a Home
A broker shops many wholesale lenders while a bank prices from one rate sheet. How that difference plays out in…
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Austin Market
Your Austin buying power depends on debt-to-income, not just salary. See what income affords a median home, price ranges by…
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Buying a Home
FHA lets you buy with 3.5% down and a 580 score, but the insurance can last the life of the…
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Buying a Home
Financing a rental tightens as you add doors. Here is how down payment, reserves, and rates differ between a 1-unit…
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Buying a Home
Reserves are the cash you keep after closing, measured in months of payment. Here is how much Austin lenders want…
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Buying a Home
When you sell your Austin home, the proceeds pass through several deductions before they reach you. Here is how the…
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Buying a Home
When you inherit a house in Austin, the mortgage does not disappear. Here is how the loan, the title, and…
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Austin Market
Austin builders are pushing incentives in 2026. Here is how to tell which builder incentives lower your real cost and…
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Buying a Home
A second home near Austin follows a different rulebook than your primary residence: higher down payment, higher rate, and more…
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