Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.
Are you ready to speak with someone right now? Call us at (512) 891-0778.
Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.
Whether you’re purchasing or refinancing a home or other property, it’s a major investment. We’re here to help you find the financing that’s right for you to help you take the next steps.
Together, we’ll determine your needs and help you understand your financing options. Speak with our experienced team to learn more about our loan programs.
It’s normal to have questions when financing a home or other property. We’ve answered frequently asked questions to help guide you.
We’re here to answer any other questions you have. Call us at (512) 891-0778.
For your initial pre-qualification we’ll ask questions about your income, assets, credit history and employment.
Once you start the application process we’ll need to verify the information you gave us with specific documentation, such as your last two years of income tax returns, bank statements, pay stubs and documents pertaining to other personally owned real estate. You’ll receive notification in writing of required documentation needed to obtain a final approval. In some cases, our Underwriting Department may request additional information.
No! Getting started before you find a home may be the best thing you could do!
If you get started before you have a property to purchase, we can issue a pre-qualification subject to you finding the perfect home, which you can use to assure real estate brokers and sellers that you are a qualified buyer. Getting pre-qualified for a mortgage will even give more weight to any purchase offer you make.
When you find the perfect home, you’ll need to call your Loan Originator and provide your signed purchase agreement to complete your application. You’ll then have an opportunity to lock in our great rates and fees and we’ll complete the processing of your loan.
There are many advantages to homeownership:
A sound investment – When you carefully choose a home you can afford, the payoff can be great. As a homeowner, instead of paying rent to a landlord, each month when you make your mortgage payment, you are building equity in a place of your own. The more mortgage payments you make, the more equity you’ll have. And unlike most things you buy, a home can actually appreciate in value as time passes, building more equity.
Tax advantages – The mortgage interest and real estate taxes you pay are tax deductible which can reduce your tax bill.
Real estate is marketable.
You can make your own decisions about design and décor.
You can invest in upgrades that will not only bring you pleasure but can also add to the value of the property over time.
You have control over the piece of property. You are not answering to a landlord.
You wouldn’t go shopping for a new car without knowing how much you can afford. Why would buying a home be any different?
Pre-Qualification Today = Less Stress House Shopping Tomorrow
Let’s face it. One of the most stressful things about buying a home is adjusting to your new mortgage payment. Knowing your family’s financial boundaries before shopping for your new home can make the process go much more smoothly.
Your pre-qualification is an essential tool when house shopping, because it…
Determines what homes are in your price range
Assures real estate brokers and sellers that you are a qualified buyer
Can be used to your advantage in future negotiations
Austin Capital Mortgage made my home buying process a breeze. Excellent service and very quick responsiveness. Largely, due in part to my loan officer, Adrienne Sanchez. If you get the chance to work with her you will be in good hands.
This is our third loan through Charlie, Jeff and the rest of the team, and once again they went all-out to make it the best experience possible. Cannot fully express our gratitude for everything they did. If you are looking for a great mortgage broker, look no further.
I have leveraged Austin Capital Mortgage many times since 2003. They are a highly professional and client centric organization that always delivers positive results. Their network of professionals are critical to successfully moving through the process rapidly and efficiently. Always a pleasure to do business with them!!!!
Austin Capital was easy to work with, always in touch, and Josh was just amazing! We closed quickly and we were able to get our dream first home. So happy to have found Austin Capital!
My husband and I just completed our second home purchase with ACM and cannot recommend them enough! Charlie, Jeff, Cameron and everyone we worked with is professional and knowledgeable about their industry and more. Look forward to working with them again!
Cameron Valverde was excellent to work with and made our Re-Finance a breeze. He respected our time while still making our closing date. He obtained a great interest rate and our closing cost was zero. I would highly recommend Cameron over at Austin Capital Mortgage.
I called Austin Capital Mortgage, because we had used them before and were very satisfied. I was actually calling for advice and ended up talking to Adrienne Sanchez. I wasn’t looking for a loan but for advice. She took it upon herself to search out a number of alternatives, but it turned out that the best solution was a re-fi through ACM. It was the simplest and easiest loan app we’ve ever done. Excelllent service.
Adrienne was the loan officer that we worked with while refinancing our home. We had countless barriers due to a loan with the SBA. Adrienne and her office worked tirelessly to help us remove these barriers in order to fund our refinance. Adrienne and her office are INCREDIBLE to work with and I know we will continue to use them in the future!
Sir Nicholas Josey was unbelievably helpful and knowledgeable about the entire refinance experience. Could not have been easier, and he was very helpful in answering any questions we had about the multitude of options he presented us. It was a very smooth and easy process. We will absolutely use him for all mortgage financing in the future.
Super happy working with Tom Oltmann to purchase our first home. He went above and beyond to make sure we understood each step of the loan process. He was very thorough with his communications and easy to reach if we had questions. I would not hesitate to use Austin Capital Mortgage again. Great experience overall. Thanks Tom!
I enjoyed working with Austin Capital Mortgage, specifically with Cameron Valverde. He was always very responsive and provided me with the information and guidance I needed in order to close on my current home. There were some unforeseen circumstances but he was a part of the solution and stood by me and my realtor while we had to navigate a tough situation. Ten stars all around!
We worked with Rachel Brown to purchase our first home and we couldn’t have picked a better person to help us through this process! Not only did she make it easy, we were always kept well informed and she went above and beyond to support us in making our purchase.
We were referred to Austin Capital Mortgage through a friend and had a really great experience! Jeff was so helpful and always answered any questions we had. Once we got a house under contract the process was very easy and super smooth. I honestly was surprised how easy they made it. We will certainly be using Austin Capital Mortgage for any future needs!
We had a very difficult situation where there were more twists during the process than the Mississippi river – before Babe and Paul Bunyan straightened it out. There were issues on all sides – qualification, builder delays, non-standard builder financing, etc… But Tom Oltmann just rode through it and helped us every step of the way. Even when another funding group (builder’s primary) backed out and said they could not do it, Tom succeeded. I have used Charlie Cooper and now Tom for the last 3 houses, and some were very ugly, but the team handled it all.
I’ve had the pleasure of working with Nicholas Josey since he joined Austin Capital Mortgage and can’t speak highly enough about his level of professionalism. He is a wonderful addition to this mainstay local mortgage company
I have used Charlie Cooper and Tom Oltman at Austin Capital Mortgage for over 10 years for my mortgage needs. Each time the service is top-notch, professional, timely, and they provide a friendly atmosphere that will have me coming back time and time again. Highly recommend! Thanks, Tom & Charlie.
Paul was Fantastic! i could not has expected more out of him as he had gone above and beyond in helping us through our first home purchasing experience. He’s even gone out of his way to help us while we were overseas during the closing process and worked outside of his working hours. He is truly the best in the business and treated us with the highest integrity and professionalism while also providing the best rates in the market.
We would truly recommend Paul to any home buyer who is on the lookout for a new home and wishes to get the best rates and best service ever! Thanks Paul!!!
Tom Oltmann was a rock star! Always friendly, informative, and insanely quick to get everything done that needed to be done. Could not recommend enough. Thanks!
I was 3 days away from making a final decision on who I would go with to process my loan. I was ready to settle for a pretty ridiculous rate on an FHA loan. I decided to do a bit more research and I was blessed enough to cross paths with Paul Mitchell.
Paul called me the next day to explain the process and what was needed to get started. This happened to be a Sunday, which was unexpected but at the same time refreshing knowing I did not have much time before my final decision. As they say, the first impression is the best impression!
Paul made sure he got me the best rate possible. His professionalism and experience was very prominent throughout the process. He was always available to answer any questions or concerns I had and always responded in a timely manner. I’ve never had someone be so meticulous about my situation and really help me out the way he did. He used every resource possible to ensure I got the best rate on my mortgage. Paul was able to get me from a 4.325% interest rate I was initially going to settle for all the way down to a 3.375% interest rate.
All in all, if you’re looking for a great company/broker to go with for a loan, look no further than Paul Mitchell at Austin Capital Mortgage. I will be back again when I’m ready to refinance :). Thanks for everything, Paul, you were truly amazing and a blessing!