Investment Property Financing in Austin: 1-Unit vs. 2-4 Unit Rules
Financing a rental tightens as you add doors. Here is how down payment, reserves, and rates differ between a 1-unit…
Read article
Learning Center
27 articles
Cash After Closing: How Much in Reserves Austin Lenders Want
Reserves are the cash you keep after closing, measured in months of payment. Here is how much Austin lenders want…
Read article
Inherited a Home in Austin: Your Mortgage Next Steps
When you inherit a house in Austin, the mortgage does not disappear. Here is how the loan, the title, and…
Read article
Warrantable vs. Non-Warrantable Condos in Austin Financing
Whether an Austin condo is warrantable decides which loans you can use and how much you put down. Here is…
Read article
Discount Points and Buydowns in Austin: The Break-Even Math
Discount points can lower your Austin mortgage rate, but only if the math works for your situation. Here is how…
Read article
Physician Loans in Austin: How Doctors Buy With Little Down
Physician loans give Austin doctors a path to homeownership with little or no down payment and no PMI. Here is…
Read article
DSCR Loans for Austin Rental Investors: How the Numbers Work
DSCR loans let Austin investors qualify based on rental income, not personal tax returns. Here is how the calculation works…
Read article
Why Your Assets Matter as Much as Your Income for a Mortgage Approval
Austin lenders weigh your assets almost as heavily as your income. Learn how reserves, retirement accounts, and liquid savings affect…
Read article
DTI Ratio Explained: The Math That Decides If You Can Buy in Austin
Your debt-to-income ratio determines whether you qualify for a mortgage and at what price. Here's exactly how lenders calculate DTI…
Read article
Your Rate Quote Is Not Your Locked Rate: What Changes and Why
Key Takeaways A rate quote at pre-approval reflects current market pricing and your stated profile, not a binding commitment. Your…
Read article
The First 5 Documents Your Loan Officer Needs in Austin
Most Austin buyers delay their mortgage because they don't know which documents to gather first. Here are the five your…
Read article
What Is a Qualified Opportunity Zone?
If you follow real estate investing, you have probably heard the term Qualified Opportunity Zone, or QOZ. It is one…
Read article
How Does a Mortgage Work, Anyway?
Most people know a mortgage is how you buy a home without paying cash. But the mechanics of how a…
Read article
10 Things to Do After Buying a Home
Congratulations — you closed on your new home! After months of searching, applying, reviewing documents, and waiting, you finally have…
Read article
5 Things to Consider Before Buying a Foreclosed Home
A foreclosed home at a below-market price sounds like a dream deal. And sometimes it is. But foreclosure purchases come…
Read article
How Rising Home Prices Impact Your Buying Power
If you’ve been tracking the Austin real estate market over the past several years, you’ve watched home prices climb in…
Read article5 Tips for First-Time Homebuyers in Austin
Buying your first home in Austin is exciting — and more than a little overwhelming. The Austin real estate market…
Read article15-Year vs 30-Year Mortgage: Which One Is Right for You?
Watch Transcript I want to walk you through how the math actually works between a 15 year and a 30…
Read article
Who Should You Talk to First: A Mortgage Professional or a Real Estate Agent?
Here’s a question we hear all the time from people just starting their home-buying journey: “Should I call a real…
Read article