Mortgage Broker in Hays County, TX

Mortgage Broker in Hays County, TX

Conventional, VA, and FHA loans throughout Hays County, from a local wholesale broker. Competitive pricing, clean closings, and direct access to Anthony Ferrando, NMLS #1919613.

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Or call or text 512-766-7660.

Home Loans in Hays County

Hays County gives Austin-area buyers two very different ways to live. The I-35 corridor through Kyle, Buda, and San Marcos offers newer homes at some of the metro’s most approachable prices, while the western side around Dripping Springs and Wimberley trades subdivision life for Hill Country lots, wineries, and small-town squares. Both halves are pulling in buyers, and each side finances differently.

Mortgage Austin is a wholesale mortgage broker working across the county. We shop your application to multiple wholesale lenders that compete on rate and fees, rather than locking you into one institution’s pricing. The product lineup stays intentionally short, Conventional, VA, and FHA, which is exactly why our files close quickly and our quotes hold up at the closing table.

You deal directly with Anthony Ferrando, the broker and owner, on every call and every document. He has closed loans on Kyle new builds and Wimberley acreage alike, so the county’s range of property types is familiar ground.

How Much Can You Borrow in Hays County in 2026?

Loan limits are set by county, and the 2026 numbers below apply to homes across the county. VA loans have no set limit for eligible borrowers with full entitlement.

Loan type2026 limit in Hays County (one unit)
Conventional (conforming)$832,750
FHA$571,550
VANo set limit 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 Hays County 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 higher inventory and longer marketing times have shifted leverage toward buyers, and in Hays County that shows up as builder incentives on the I-35 side and more realistic pricing on Hill Country properties that once sold in days. For current numbers, see our Austin housing market and Austin mortgage rates pages, both updated regularly.

Buying a Home in Hays County

The I-35 corridor is the county’s growth engine. Kyle, Buda, and San Marcos sit on one of the fastest-growing stretches in Texas, with heavy new construction filling in between them, and Texas State University in San Marcos stands as the county’s biggest institution. New subdivisions here frequently sit in MUD districts, which add their own assessments on top of county and school taxes, so two similar homes can carry noticeably different monthly payments. Hays CISD and Dripping Springs ISD anchor much of the family demand on their respective sides of the county.

West of I-35 the county changes character. Dripping Springs, Wimberley, and Driftwood are wedding-venue and distillery country, with larger lots and homes served by wells and septic systems. These properties finance well with Conventional, VA, or FHA loans, but they need an appraiser familiar with rural comparables and a lender comfortable with the property type, and we place those files accordingly.

The county’s river and creek corridors add one routine diligence step: in some areas, checking the flood zone status of a specific property is a standard part of the process, and where flood insurance applies we fold the premium into your payment estimate up front so the number you plan around is complete.

Loan Options for Hays County 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 Hays County? See refinance options.

Frequently Asked Questions

Which cities does Mortgage Austin serve in Hays County?
All of them. We work with buyers in Kyle, Buda, San Marcos, Dripping Springs, Wimberley, Driftwood, and the unincorporated Hill Country in between. Our Texas license covers the entire state, so location within the county is never a limitation.
Do I need flood insurance to buy a home in Hays County?
Only if the specific property sits in a designated flood zone, which the lender determines from a standard flood certification during processing. The county’s river and creek corridors mean this check matters in some areas, and where coverage is required we include the premium in your payment estimate from the start. Most homes in the county do not require it.
Can I get a loan on acreage with a well and septic near Wimberley or Dripping Springs?
Yes. Conventional, VA, and FHA financing all work on well and septic properties, provided the appraisal supports the home and the lender accepts the property type. Because we broker to multiple wholesale lenders, we can route these files to the ones that handle Hill Country acreage regularly instead of hoping one bank says yes.
Why are property taxes higher on new construction in Kyle and Buda?
Many new subdivisions along I-35 sit in MUD districts that levy their own assessments to repay infrastructure costs, stacked on top of the county and school rates. Hays County’s effective property tax rate averages about 1.58% (SmartAsset), the highest of the three metro counties, and MUD streets can run above that. We verify the exact rate for your property before quoting a payment.
What credit score and down payment do I need in Hays County?
FHA allows a 580 or higher score with 3.5% down, conventional generally starts around 620 with as little as 3% down, and eligible veterans can put 0% down with VA. The strongest conventional pricing shows up above 740. TSAHC assistance of up to 5% of the loan amount is available countywide for buyers within the $107,520 income limit, as of June 13, 2026.

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.

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