Manufactured Homes and ADUs in Austin: 2026 Financing Rules
SB 785 requires Texas cities to allow new HUD-code manufactured homes in at least one residential district. Here is what Austin buyers should know about financing them.
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Mortgage Austin Journal
Smart, straight answers for Austin buyers & homeowners
Rates, programs, and local market moves, explained without the jargon.
Jumbo Loan Myths in Austin: What Buyers Over $832,750 Miss
Over the conforming limit in Austin? Maybe not. Five jumbo loan myths, the 2026 numbers behind them, and the structures…
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Stacking TSAHC DPA With an FHA Loan in Austin: A Worked Example
A worked example of TSAHC down payment assistance stacked with an FHA loan at Austin's median price: assistance amounts, cash…
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Austin Builder Incentives in a Buyer’s Market: The Fine Print
Builder incentives look generous in Austin's 2026 buyer's market. The fine print decides what they are actually worth. Six mistakes…
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Short-Term Rental Financing Near Austin: The Down Payment Math
Buying an Airbnb near Austin? Down payment tiers, rental income rules, reserves, and a worked example at today's median price,…
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Contingent Offers in Austin’s Buyer’s Market: When They Work
Austin's 5.9 months of supply gives contingent buyers real negotiating room. When sellers say yes, how kick-out clauses work, and…
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Renting vs. Buying in Austin in 2026: Where Break-Even Lands
Austin rents have fallen while ownership costs stay high. Here are the real monthly numbers at the $435,000 median and…
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New Texas Buyer-Agent Rules: What Austin Buyers Sign in 2026
Texas now requires a written buyer agreement before an agent shows you a home. Here is a 7-point checklist for…
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Buying a Home in Austin With Student Loans: 2026 Lender Math
Student loans do not have to block an Austin home purchase. Walk through one buyer's 2026 numbers and see how…
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Credit Score Mistakes Austin Buyers Make Before Applying
From financing a car to closing old cards, these credit score mistakes cost Austin buyers real money. What to avoid…
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How HOA Fees Change What You Qualify For in Austin
HOA dues count like a debt in your qualification math. See what Austin condo fees run in 2026, what each…
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The 28/36 Rule vs. Real DTI Limits: What Austin Lenders Allow
The 28/36 rule shows up in every affordability guide, but Austin lenders approve DTI well above it. Here is what…
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3, 5, 10, or 20 Percent Down in Austin: What Each Choice Costs
At Austin's $435,000 median price, 3 percent down is $13,050 and 20 percent is $87,000. Here is what each down…
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Austin Is a Top-25 City for First-Time Buyers: What That Misses
WalletHub ranked Austin a top-25 large city for first-time buyers in 2026. The ranking misses the payment math, property taxes,…
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Texas Homestead Exemption Now $140,000: What to File in Austin
Texas voters raised the homestead exemption to $140,000 for school taxes. Here is what Austin owners save, how to file…
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Divorce and the House in Austin: How a Buyout Actually Works
One spouse keeps the house, the other gets paid for their share. Here is how a divorce home buyout works…
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Texas Small-Lot Laws and Austin Starter Homes: A Buyer’s Guide
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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Buying a Home in Georgetown: What Austin Buyers Should Know
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 With Your Parents in Austin: How Co-Borrowing Works
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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