Mortgage Broker in Travis County, TX

Conventional, VA, and FHA loans anywhere in Travis County, from a local wholesale broker. Sharp pricing, fast closings, and direct access to Anthony Ferrando, NMLS #1919613.

Or call or text 512-766-7660.

Home Loans in Travis County

Travis County is the center of the Austin metro, and it covers far more ground than the city limits suggest. Buyers land here for the jobs, the lake and Hill Country scenery west of town, and the fast-growing suburbs along SH-130 to the east. Austin anchors the county, but Pflugerville, Manor, Del Valle, Lakeway, Bee Cave, and West Lake Hills each attract a different kind of buyer, and each finances a little differently.

Mortgage Austin is a wholesale mortgage broker headquartered right here in the county. Rather than quoting one bank’s rate sheet, we send your application to multiple wholesale lenders and let them compete on price. The product menu is deliberately narrow, Conventional, VA, and FHA only, because doing three things well beats doing twenty things adequately, and it shows up in both pricing and turn times.

Anthony Ferrando, the broker and owner, handles your file personally from application through closing. He lives and lends in this market every day, so the quirks of a downtown condo file or a Hill Country acreage appraisal are familiar territory, not a first encounter.

How Much Can You Borrow in Travis 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.

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 Travis 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).

With metro inventory at its healthiest level in years, Travis County buyers have real room to negotiate on price, repairs, and seller-paid closing costs, though the county still carries the highest average home prices of the three metro counties, so loan structure matters here more than anywhere else in the region. For current numbers, see our Austin housing market and Austin mortgage rates pages, both updated regularly.

Buying a Home in Travis County

The employment base is the deepest in Central Texas: state government and the University of Texas downtown, the tech employers clustered at the Domain and in the urban core, Samsung’s long-established fab in northeast Austin, and Tesla’s Giga Texas in Del Valle. Austin-Bergstrom International Airport keeps the southeast side busy as well. That breadth of employers is one reason Travis County files tend to underwrite smoothly, incomes here are documented and verifiable across a wide range of industries.

Housing stock runs the full spectrum, and the financing follows. Downtown and Domain-area condos raise questions about condo project approval and HOA review that we handle regularly. West of town, Lakeway, Bee Cave, and West Lake Hills mix higher price points with Hill Country lots, and further out you find acreage on wells and septic systems that needs a lender comfortable with larger-lot appraisals. East along SH-130, Pflugerville, Manor, and Del Valle are where most of the county’s new construction lands, often with builder incentives worth comparing against wholesale pricing before you commit.

One constant across all of it: Texas homestead exemptions reduce the taxable value of a home you occupy as your primary residence, so the tax figure on a listing does not always match what you will actually pay. We pull the real numbers for the specific property before quoting a payment.

Loan Options for Travis 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 Travis County? See refinance options.

Frequently Asked Questions

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 Travis County?

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