Mortgage Broker in Williamson County, TX

Mortgage Broker in Williamson County, TX

Conventional, VA, and FHA loans for buyers across Williamson County, from a low-overhead wholesale broker. Straight answers and direct access to Anthony Ferrando, NMLS #1919613.

Schedule a Call →

Or call or text 512-766-7660.

Home Loans in Williamson County

Williamson County is where a large share of Austin-area families end up buying, and the reasons are practical: well-regarded school districts, a deep bench of employers on the north side of the metro, and neighborhoods at nearly every price point. Round Rock, Cedar Park, Georgetown, Leander, Hutto, Taylor, and Liberty Hill each have their own character, from established suburbs to active-adult communities to brand-new subdivisions still under construction.

Mortgage Austin is a wholesale mortgage broker serving the whole county. Your application goes out to multiple wholesale lenders that compete for the business, instead of being priced off a single bank’s rate sheet. We keep the menu to Conventional, VA, and FHA on purpose. A short product list keeps our pricing competitive and lets us know the guidelines cold.

Every file is handled start to finish by Anthony Ferrando, the broker and owner. He closes loans across Williamson County month in and month out, so questions about MUD taxes in a new Leander subdivision or financing in an age-restricted Georgetown community get answered from experience.

How Much Can You Borrow in Williamson 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 Williamson 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 Williamson 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 Williamson County?

Williamson County homeowners pay an average effective property tax rate of roughly 1.49% (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 Williamson County taxes and insurance included, never just principal and interest.

What Is the Williamson 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).

Rising inventory across the metro has given Williamson County buyers leverage they have not had in years, and the county’s steady draw of relocating families and north-Austin commuters keeps well-priced homes moving even in a slower market. For current numbers, see our Austin housing market and Austin mortgage rates pages, both updated regularly.

Buying a Home in Williamson County

The county’s employment story keeps getting stronger. Dell is headquartered in Round Rock, Apple built its billion-dollar campus on the Williamson County side of north Austin, and Samsung’s semiconductor megafab is under construction in Taylor. Those anchors, plus the healthcare and retail growth that follows them, mean lenders see Williamson County paychecks across a wide range of industries, which tends to make underwriting straightforward.

Families drive much of the demand, and the school districts are a big reason: Round Rock ISD, Leander ISD, and Georgetown ISD all carry strong reputations that keep resale demand steady in their attendance zones. The 183A and SH-130 toll corridors carry the commutes, and homes with quick toll access in Cedar Park, Leander, and Hutto tend to stay liquid. Georgetown adds a different buyer profile entirely with Sun City, one of the largest active-adult communities in Texas.

New construction is heavy in Liberty Hill, Leander, Hutto, and Taylor, and that is where financing details matter most. Many new subdivisions sit in MUD districts that add their own tax assessments, so the true monthly payment can vary street by street. Builder incentives are common too, and we regularly run the builder’s preferred-lender offer against our wholesale pricing so you can see which deal actually wins.

Loan Options for Williamson 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 Williamson County? See refinance options.

Frequently Asked Questions

Which cities does Mortgage Austin serve in Williamson County?
All of them. We lend in Round Rock, Cedar Park, Georgetown, Leander, Hutto, Taylor, Liberty Hill, and everywhere in between, including unincorporated areas. Texas licensing covers the whole state, so there is no part of the county we cannot serve.
Can I use a conventional or VA loan to buy in Sun City Georgetown?
Yes. Conventional, VA, and FHA loans all work in age-restricted communities like Sun City, whether you are buying with a mortgage in retirement or helping a parent relocate. Retirement income, Social Security, and pension income can all be used to qualify, subject to standard documentation and underwriting.
Why is my property tax estimate so different between two Williamson County neighborhoods?
Many newer subdivisions in Leander, Liberty Hill, Hutto, and Taylor sit in MUD districts that levy their own assessments on top of county and school taxes. Williamson County’s effective rate averages about 1.49% (SmartAsset), but individual streets can sit well above or below that. We pull the actual rate for the specific property before quoting your payment.
Should I use the builder’s lender for new construction in Williamson County?
Compare before you decide. Builder incentives are often tied to their preferred lender, but the underlying rate and fees are not always the best available. We price the same loan through multiple wholesale lenders and put it next to the builder’s offer, so you can judge the full cost, incentive included, on real numbers.
What down payment do I need to buy in Williamson County?
VA loans allow 0% down for eligible veterans, conventional starts at 3% down, and FHA at 3.5% with a 580 or higher credit score. TSAHC assistance of up to 5% of the loan amount is available countywide for buyers under the $107,520 income limit and the $598,019 purchase price 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.

Ready to Talk About Williamson County?

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

Schedule a Call →