Mortgage Broker in Pflugerville, TX

Mortgage Broker in Pflugerville, TX

Conventional, VA, and FHA loans for Pflugerville buyers, from a low-overhead local broker. Wholesale pricing, fast closings, and straight answers from Anthony Ferrando, NMLS #1919613.

Schedule a Call →

Or call or text 512-766-7660.

Home Loans in Pflugerville

Pflugerville sits in a sweet spot that a lot of Austin-area buyers eventually discover: Travis County address, newer housing stock, and a location where SH-130, SH-45, and I-35 all meet. You can point your commute at downtown Austin, the Domain and the north Austin tech corridor, or the Samsung fab going up in nearby Taylor, and none of them requires crossing the whole metro. That flexibility is a big part of why families plant roots here.

Mortgage Austin is a wholesale mortgage broker serving Pflugerville buyers with a deliberately short product menu: Conventional, VA, and FHA. Rather than quoting one bank’s rate sheet, we send your file to multiple wholesale lenders and let them compete on price. A narrow menu and low overhead are how a small shop keeps pricing sharp.

Anthony Ferrando, the broker and owner, handles your file personally from application through closing. When you call with a question about a Pflugerville MUD assessment or a builder incentive, you get the person who actually structured your loan.

How Much Can You Borrow in Pflugerville in 2026?

Loan limits are set by county, and Pflugerville sits in Travis County, so the 2026 numbers below apply to every Pflugerville purchase. VA loans have no set limit for eligible borrowers with full entitlement.

Loan type2026 limit in Travis 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 Travis 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 Travis County?

Travis County homeowners pay an average effective property tax rate of roughly 1.34% (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 Travis County taxes and insurance included, never just principal and interest.

What Is the Pflugerville 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).

With inventory up and homes sitting longer across the metro, Pflugerville buyers have room to ask for repair credits and seller-paid closing costs again, especially in the newer subdivisions where builders and resale sellers are competing for the same buyers. For current numbers, see our Austin housing market and Austin mortgage rates pages, both updated regularly.

Buying a Home in Pflugerville

Pflugerville’s geography is its pitch. The SH-130, SH-45, and I-35 triangle makes it a three-way commuter base: downtown Austin one direction, the Domain and the north Austin tech corridor another, and the Samsung fab under construction in nearby Taylor a short hop east. Tesla’s Giga Texas is a straight run down SH-130. That employer spread means Pflugerville households are rarely tied to a single company’s fortunes, which lenders like to see.

The neighborhoods buyers ask about most are Falcon Pointe, Blackhawk, Avalon, and Highland Park, and they do not all finance the same way. Many of the newer subdivisions carry MUD assessments that change the effective tax rate street by street, so two similar homes a short drive apart can carry noticeably different monthly payments. We pull the actual rate for the specific address before quoting a payment, which matters more here than in older parts of Travis County.

Day to day, the town has more going on than its size suggests: Lake Pflugerville with its loop trail and paddleboarding, Typhoon Texas waterpark in the summer, and Stone Hill Town Center for retail. The city leans into its German-Texan heritage, throws the annual Deutschen Pfest, and never met a Pf- pun it did not like. Most of the residential core feeds Pflugerville ISD, and school assignment is one of the first things we suggest verifying for any address on your shortlist.

Loan Options for Pflugerville 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 Pflugerville? See refinance options. We cover the wider county picture on our Travis County page.

Frequently Asked Questions

How much down payment do I need to buy a house in Pflugerville?
VA loans allow eligible veterans to buy with 0% down. Conventional starts at 3% down and FHA at 3.5% with a 580 or higher score. Using the metro’s median sold price of $445,000 (Team Price, July 2026), 3% down works out to about $13,350, and TSAHC assistance can cover part of that for qualifying buyers.
Why do property taxes differ so much between Pflugerville neighborhoods?
Many of Pflugerville’s newer subdivisions, including parts of areas like Falcon Pointe, Blackhawk, Avalon, and Highland Park, sit in MUD districts that add their own assessments on top of county and school rates. The effective rate can change street by street. Before you commit to a payment, we look up the actual tax rate for that specific property so your budget is built on the real number.
Is there down payment assistance for Pflugerville home buyers?
Yes. Pflugerville is in Travis County, where TSAHC’s programs offer up to 5% of the loan amount in assistance. As of June 13, 2026, the income limit is $107,520 and the purchase price limit is $598,019, with higher limits up to $730,913 in targeted areas. The Homes for Texas Heroes version covers teachers, nurses, first responders, and veterans.
Can I buy in Pflugerville if I work at Samsung in Taylor or at Giga Texas?
Yes, and location is exactly why many of those buyers choose Pflugerville. The Samsung fab in Taylor is a short drive away and Tesla’s Giga Texas is a straight run down SH-130. A standard Conventional, VA, or FHA loan works the same regardless of employer; what matters is documented, stable income, and we structure files for tech and manufacturing workers regularly.
How fast can I close on a Pflugerville home?
A clean, well-documented file typically closes in around three weeks. The appraisal and title work set the pace, and Pflugerville’s newer housing stock tends to appraise without drama. Because we run a small pipeline, your file gets worked every day instead of waiting in a queue.

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.

Ready to Talk About Pflugerville?

A discovery call costs nothing and takes about 15 minutes. We will map out your numbers, no pressure, no obligation.

Schedule a Call →