TEXAS' TOP MORTGAGE LENDERS SINCE '96
Get the Best Mortgage Terms & Rates in Texas
With in-house underwriting and access to multiple lenders, we secure the best mortgage rates and terms for you.
- Compare Multiple Lenders
- 100% Online Application
- In-house Underwriters, Faster Approvals
- No Hidden Fee, 100% Transparency
- Takes 2 mins to complete
Start Your Pre Approval Now!
Fill out our 2-min form to see how much home you can afford. One of our top loan officers will get in touch with you to help you find your best mortgage deal.
Explore Your Mortgage Options
Whether you're looking to buy your first home, refinance your existing mortgage, or access the equity in your property with a cash-out option, we're here to help you secure the best rates and terms.

Looking for something else?
Contact us today and get help from Texas' top mortgage experts.
How are we different from other lenders, and banks?
We Work for You. Unlike banks, we aren’t tied to a single lender. We shop dozens of lenders to secure the best deal for you.
As Texas' top mortgage brokers, we combine the
flexibility of a broker - we shop all lenders -
with the fast, efficient service of a bank - we have in-house underwriters for faster approvals.
Texas' Top Rated Mortgage Lenders
We've been ranked among Texas' top mortgage lenders since 1996, by Austin Business Journal.
95% Faster Closing than Industry Average
We have a streamlined process that allows you to apply online with in-house underwriters and an average processing turnaround of 24-48 hrs. We've closed houses in as little as 1-2 weeks for our clients.
100% Customer Satisfaction,
5 Stars Average Rating
With an A+ rating from BBB, and over 500+ FIVE Star Reviews on Google, Zillow and Yelp - customer satisfaction is at the core of everything we do.
Competitive Mortgage Lending Rates
We shop multiple lenders to ensure that you get the best deal possible on your mortgage, making home ownership more affordable and accessible for you.
Hear From Our Happy Homeowners!
As Texas' top rated mortgage lenders, we have a stellar reputation with an average rating of 5 Stars across all channels: Google, Yelp, Zillow, BBB and Facebook.
Today's Mortgage Rates
Follow day-to-day movement in mortgage rates our daily index, driven by real-time changes in actual lender rate sheets.
Meet the Dream Team
Dive into the heart of what makes Austin Capital Mortgage truly special: our Dream Team.
A group of top loan producers in Texas with over 25+ years of local mortgage industry expertise, dedicated to get you the perfect mortgage for your needs.

Charlie Cooper
President | NMLS #326203
Phone: (512) 891-0778
Fax: (512) 891-0779
Email: charlie@austincapitalmortgage.com
Charlie Cooper was born in London and hailed from Jamaican roots, his upbringing unfolded in the vibrant city of Houston, Texas. Nurtured by a family deeply ingrained in entrepreneurship, he imbibed the art of chasing passions and charting a course for success from an early age.
His academic journey led him to the University of Houston, where he focused his studies on Finance, complemented by a minor in Accounting.
Beyond his professional pursuits, Charlie is a fervent sports enthusiast, his love for adventure fueling a passion for global travel and immersive exploration. The Houston Oilers hold an unshakable place in Charlie's heart as his beloved football team of choice.

Jeff Wilkinson
Director of Operations
Phone: (512) 891-0778
Email: jeff@austincapitalmortgage.com
Jeff was born in California, although his formative years were spent abroad. It wasn't until high school that he returned to the United States, settling in Houston for his education. Texas Christian University welcomed him for his college years, during which he engaged in football.
After a brief stint in Phoenix, Arizona he found himself drawn back to Texas in 1996, marking the year he became a part of the Austin Capital Mortgage team. Beyond his professional commitments, Jeff’s competitive nature finds an outlet through pickleball, where he embraces the challenge with enthusiasm. His zest for life also extends to exploration alongside his wife and family, as they embark on travels together.

Paul Mitchell
Houston Branch Manager
Phone: (512) 524-9416
Email: paul@austincapitalmortgage.com
Hailing from the Lone Star State, Paul's roots and educational journey unfolded in the dynamic city of Houston. Armed with a Finance degree from the University of Houston, he spent 12 years working in the energy sector. During this period, Paul assumed roles in sales, marketing, and management for a global oilfield services conglomerate. In 2016, he transitioned to the Austin Capital Mortgage team, where he has thrived as a dedicated Loan Originator.
Beyond the professional realm, Paul's interests encompass weightlifting, honing his skills in Jiu Jitsu, and relishing the joy of watching his daughters excel in softball.

Kari Cooper
Business Development
Phone: (512) 891-0778
Email: kari@austincapitalmortgage.com
Originating in Oslo, Norway, Kari's early years were marked by a journey across the heart of the southern United States. From Alabama to Louisiana, and through Mississippi, her family's wanderings culminated in the heart of central Texas, where she spent her formative years and graduated high school. Kari's academic journey led her to the Bauer School of Business at the University of Houston, where she earned a degree in marketing with a minor in African American studies.
Beyond the professional sphere, Kari finds solace in the pages of fiction, channeling her creativity into interior design and décor. Her passion for travel is evident as she crafts thoughtful vacation itineraries for her loved ones. With a knack for hosting, Kari transforms gatherings into remarkable occasions, effortlessly infusing a touch of extravagance into almost everything she undertakes.

Tom Oltmann
Loan Originator | NMLS #308768
Phone: (512) 891-0778
Email: tom@austincapitalmortgage.com
Originally born in Waterloo, Iowa, Tom's journey led him to plant roots in the Lone Star State at the age of nine. In 1996, he found his way to Austin, where he dedicated 12 years to his role as a retail store manager at AT&T. With a degree in Business Management and Finance from the University of Phoenix under his belt, he became an integral part of the Austin Capital Mortgage team in 2008, assuming the role of a Loan Originator.
Beyond the professional realm, Tom's interests encompass the thrill of travel, the finesse of golf, the precision of competitive pistol shooting, and cherished moments spent with family. His culinary passion shines as he dons the chef's hat, conjuring up delectable meals that delight friends and loved ones.

Adrienne Sanchez
Loan Originator | NMLS #1213046
Phone: (512) 891-0778
Email: adrienne@austincapitalmortgage.com
Adrienne was born in the golden state of California, where she spent her upbringing. However, her journey led her to Arizona, where she pursued and successfully completed nursing school. Her professional path took an unexpected turn in 1994, venturing into the mortgage industry. In 2004, Adrienne found herself in Austin, Texas, and shortly thereafter in 2009, she became a valued member of the Austin Capital Mortgage team. Her reputation at work speaks of a true team player, consistently placing her team's achievements at the forefront.
Beyond her professional pursuits, Adrienne finds joy in treasured moments spent with her two children, four grandchildren, and an extensive network of family and friends. Her zest for life extends to activities like Krav Maga and hiking, which resonate with her adventurous spirit.

Richard Armstrong
Houston Business Development
Phone: (512) 891-0778
Email: rich@austincapitalmortgage.com
Richard, also known as Rich, was born in Southern California but his journey led him to the heart of the Lone Star State in 1980. He pursued his education at Texas A&M, earning his degree before delving into running his family business, a role he fulfilled until 2021. Opting for a new chapter, Richard transitioned into the mortgage industry, becoming an integral part of Austin Capital Mortgage.
Beyond the realms of business, Richard nurtures his passions. The pursuit of bodybuilding, diving into fiction novels, and the gratifying role of coaching youth football fill his leisure hours. His devotion to his cherished children also shines bright, as he relishes the moments spent with them. An interesting tidbit about Richard is that he proudly embraces the role of a father to five children, aged between 11 and 15.

Nicholas Josey
Loan Originator | NMLS #2140112
Phone: (512) 891-0778
Hailing from the vibrant city of Houston, Texas, Nicholas's roots run deep in his hometown. His educational journey led him to the University of Mary Hardin-Baylor, where he attained a Bachelor of Business Administration in Business Management in 2019. During his time as a college student, he honed his skills at Austin Capital Mortgage's former parent company, Legend Lending Corporation, for a span of two years.
Post-graduation, Nicholas ventured into the tech industry for a period before he ultimately found his way back to Austin Capital Mortgage in 2021, marking a significant chapter in his career journey.

Connie Anderson
Processing Manager
Phone: (512) 891-0778
Connie's origins can be traced to Baytown, Texas, yet she has woven herself into the fabric of Austin, becoming a true Austinite. Initially drawn to Austin to pursue her education at the University of Texas, Connie's bond with the city grew stronger over time, making it a significant part of her life. Another cherished place she calls home is with her fiancé in Santa Fe, NM. Connie graduated from UT with a Bachelor of Arts in English and American Studies. Dedication defines her connections, not only to the city but also to our team – Austin Capital Mortgage has been her unwavering professional anchor since her college days.
Amid her professional pursuits, Connie finds solace in treasured moments shared with loved ones. Her passion for live music finds expression as she revels in attending symphony and ballet performances, infusing her life with cultural enrichment.

Geri Brodlowicz
Office Manager
Phone: (512) 891-0778
Email: geri@austincapitalmortgage.com
Geri embodies the spirit of her hometown, Austin, Texas, where she was born and raised, making her a genuine Austinite through and through. Her educational path led her to Austin Community College, where she pursued her passion for real estate and earned a technical degree in the field. With her diploma in hand, she ventured into the dynamic world of the mortgage industry, discovering a profound sense of fulfillment within its competitive environment.
Beyond her professional endeavors, Geri finds her heart in spending quality moments with her fiancé and their two beloved dogs. The tennis court serves as a playground for her competitive spirit, and she also expresses her creativity through the art of painting. A fascinating tidbit about Geri is that she's the proud owner of a bearded dragon named Puff, adding an element of uniqueness to her life.

Lisa Villarreal
Closer
Phone: (512) 891-0778
Email: lisa@austincapitalmortgage.com
Lisa's roots trace back to The Woodlands and Houston, Texas, where she spent her formative years. Accumulating over 25 years of experience in the mortgage industry, her journey has been marked by dedication and expertise.
During her leisure hours, Lisa embraces a diverse range of interests. The allure of travel beckons her to new horizons, while her passion for running propels her forward. Through the lens of her camera, she captures the world's beauty, and her love for University of Houston and Rockets Basketball games adds excitement to her life. A proud mother to a 23-year-old daughter, Lisa's heart also finds room for feline companions, nurturing a deep affection for cats.

Ashley Rae Gordon
Processor
Phone: (512) 891-0778
Ashley's roots trace back to Massachusetts, where she initially pursued a career in banking. Her journey led her to become a mortgage loan officer before transitioning to processing, a role she has grown to adore. Beyond her professional life, Ashley finds joy in various activities including running, cooking, cherishing moments with her canine companion, immersing herself in live music, and exploring novel cuisines.
An early riser by nature, Ashley is deeply dedicated to maintaining her fitness, with a strong focus on workouts, running, and overall well-being.
We offer our lending services in 11 states
