Individual Mortgage Strategies for the Individuals We Serve

We are proud to have helped finance thousands of loans, helping Americans find, keep and afford their dream homes in Texas, Colorado, Florida, Tennessee, and Arizona.

Are you ready to speak with someone right now? Call us at (512) 891-0778.

How it Works

We’ll work with you to find the right loan and reach your financing goals, whether you’re buying a house or refinancing.
1
Tell us about your financing needs. We’ll use our experience to recommend options.
2
Together we’ll submit your application, gather documentation, and work through processing your loan.
3
You close on your new mortgage once it’s approved, taking the next step with your financing goals.

Begin your loan journey today!

Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.

In what ZIP code do you need a loan?
I want to refinance
2 women sitting on outdoor covered patio

How Financing Can Help

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.

  • Range of loan options to find financing that best fits your goals
  • We’ll work with you to consider your personal financial needs
  • Options for no closing costs, term lengths, and adjustable or fixed rates

Mortgage FAQs

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.

What information should I have available when I am ready to apply?

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.

Do I need to find a home before I apply?

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.

What are the benefits of owning a house? What are the advantages over renting?

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.

I’ve heard about getting a Pre-Qualification, but what’s the advantage if I haven’t even started looking for a house yet?

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

What Our Customers Are Saying

Star Star Star Star Star
Austin Capital Mortgage is my go to
Austin Capital Mortgage is my go-to for all home financing needs. Adrienne is a gem to work with and ensures a seamless process. Highly recommend.
Tabatha Conarko
10/12/2022
Star Star Star Star Star
You will be in good hands

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.

Taylor Golden
10/11/2022
Star Star Star Star Star
They went all out

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.

Buck M.
10/05/2022
Star Star Star Star Star
Whole workforce is fantastic!
We have worked with Austin Capital three times and our Sons at least three times and the experience is always great. The whole work force is fantastic, financing and refinancing with us in mind.
Peter Rosch
Houston
09/02/2022
Star Star Star Star Star
Highly professional and client centric

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!!!!

Kim Lasseter
Austin
09/01/2022
Star Star Star Star Star
Easy to work with

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!

Katy Kirk
Austin
09/01/2022
Star Star Star Star Star
Highly recommended
Charlie and his staff did an amazing job helping us finance our dream house! Highly recommended.
Mike C.
Houston
08/28/2022
Star Star Star Star Star
Would 100% work with them again!
Tom was helpful and amazing support through the purchase of our home and continues to be supportive well after our transaction. I would 100% work with Tom and Austin Capitol Mortgage again in the future!!
Ryan O.
Austin
08/31/2022
Star Star Star Star Star
Paul went above and beyond!
Paul went above and beyond for us. We recently moved to Houston and wanted to purchase a house. We did not have a credit score which made getting a mortgage seem impossible. However Paul secured a mortgage for us and was always available to answer all our questions. If I could give him 10 stars I would. I cannot recommend him enough.
Rianna Rambalack
Houston
Star Star Star Star Star
Looking forward to working with them again

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!

Hannah M.
Austin
08/23/2022
Star Star Star Star Star
Got approved very quickly!
Got approved very quickly unlike other mortgage companies with the help of Derek Poehlmann. He helped out every step of the way and made everything simple and understanding. Definitely recommend Derek and Austin capital mortgage
Jacob Granado
Houston
05/31/2022
Star Star Star Star Star
Wow, wow and more wow!
Wow, wow and more wow! We closed on our property in record time, 1 week before we needed to! Charlie and Austin Capital have a “can-do” approach to everything. Not once did we hear any bad news or “no” or “we can’t”. Such a breath of fresh air! Everyone should use Charlie and Austin Capital for your mortgage needs. Brava team!
Marko Krosnjar
Houston
04/11/2022
Star Star Star Star Star
Do yourself a favor and go with Austin Capital!
Austin Capital has been our broker of choice for 3 home purchases (and one refinance) in Austin and counting.  We have loved every part of the experience from end to end, and they have been incredibly helpful with every question along the way.  Charlie, Adrienne, and their team should be everyone’s go-to in the Austin market.  10/10 would recommend (and have recommended) to every single person I know looking to purchase real estate in the Central Texas region.  Do yourself a favor and go with Austin Capital for your mortgage or refinancing needs.
Claire B.
Austin
03/24/2022
Star Star Star Star Star
It has been a breeze every time
I can’t say enough good enough things about company. I have purchased multiple homes through Austin Capital Mortgage and it has been a breeze every time. Adrienne at ACM is my rep and she is the absolute best!!! Wish I could give them a 6 out of 5 stars! Thanks again for everything:)
Jason Twaddle
Austin
08/28/2022
Star Star Star Star Star
Saved us money!
I have worked with Austin Capital Mortgage for all of my home purchases. They are experts in the space and always extremely accommodating. They have held our hand through every step of the process and saved us money with our rates along the way! Highly recommend.
Josh Feldman
Austin
10/04/2021
Star Star Star Star Star
Everything was so easy and seemless
We had such a great experience with the team at Austin Capital Mortgage! They got us a great rate and worked quickly to finalize our refinance. Everything was so easy and seamless, I highly recommend.
Lauren Rohr
Houston
03/30/2021
Star Star Star Star Star
Made things so much easier
My wife and I just purchased our first home and Austin Capital Mortgage made things SO much easier for us! Everyone we spoke to was very knowledgeable, professional and went out of their way to make the home buying process very easy on us. We worked with Charlie Cooper and Adrienne Sanchez who were always available to talk, no matter the time of day. We absolutely recommend Austin Capital Mortgage to any and everyone! Give them a call so they can help you too!
James Knight
Austin
12/17/2020
Star Star Star Star Star
Went above and beyond!
I went through a refinance of my rental property with Josh Cruz and he went above and beyond in making the process as smooth and transparent as I could’ve hoped for. He was on top of the ball during every step of the way, from sending updates during both work and off-work hours, to taking time out for phone calls to explain details of documents. I would absolutely recommend Josh and Austin Capital Mortgage to anyone looking for a mortgage lender.
Michael Liu
Austin
03/02/2020
Star Star Star Star Star
Excellent lender with great knowledge
Excellent lender with great knowledge on complex situations. Paul and his team got it closed. Thank you!
Macy and Reece
Austin
09/18/2019
Star Star Star Star Star
Very professional service
Very professional service, they are very customer-oriented. They make it really easy to navigate through the process. They are really nice people and they explain every aspect of the process thoroughly. I am really glad we used their services because we were able to focus on finding the right home and not worry about the dif phases and details on the Mortgage application.
Miguel M.
Austin
06/24/2019
Star Star Star Star Star
Answered ALL my questions
I was (emphasis on WAS) a very discouraged single-mom trying to become a first-time Home Owner, when my file landed on the desk of Rachel Brown. She was my third Loan Officer and the answer to my prayers. Not only did she help us get a great mortgage but she did it with a professional integrity that none of the other lenders possessed. She answered ALL my questions, walked me thru mortgage lingo I didn’t understand and drove from Austin to San Antonio to be at my closing for support! I can’t thank Rachel Brown and Austin Capital Mortgage enough 😍
Mesha Marshall
Austin
03/27/2019
Star Star Star Star Star
Would highly recommend ACM to anyone
Adrienne worked hard to ensure everything went smoothly! She regularly checked in and was always available when I had questions. I would highly recommend ACM to anyone.
Kathleen Meza
Austin
09/08/2021
Star Star Star Star Star
Would use them again and again!
Great mortgage company to go through. Would use them again and again. Thanks so much for getting me and my wife in the house we wanted .
JD Dunn
Houston
11/16/2018
Star Star Star Star Star
Made the whole process engaging and productive
Unlike a big bank lender, which kept asking for new documents that extended for over 2 months, Austin Capital provided a one time list of the required documents and executed the approval without subject tos within 3 weeks. Tracy made the whole process engaging & a productive use of each other’s time. Her upfront guidance & timely involvement proved critical in our winning the bid.
Rodney Hurd
Austin
09/05/2022
Star Star Star Star Star
Highly recommend them for your real estate transaction needs
ACM was able to close on a new purchase and an existing property cash out refi within 1 month. It was a tall order during a busy real estate market. All staff provided excellent support and advise throughout the process. Highly recommend them for your real estate transaction needs!
Frank G
Austin
09/02/2022
Star Star Star Star Star
Easiest loan and house buying process I have done
This was the easiest loan and house buying process I have done. It was great to be able to e-sign most of my documents. The staff were extremely helpful and answered all my questions. It was the quickest I have purchased a house. It was a great experience.
Yalcin Saribas
Austin
09/02/2022
Star Star Star Star Star
Had a great experience
Nicholas Josey was awesome .. had a great experience ,thank you.
Jeffrey Schieber
Houston
09/01/2022
Star Star Star Star Star
Great service!
Great Service. Used them twice now.
Michael Kammerdiener
Austin
08/03/2022
Star Star Star Star Star
The best team I’ve ever worked with
Can’t say enough good things about this lender! Hands down the best team I’ve ever worked with. I’ve bought several homes with them and will continue for eternity. This is all because they have the best Loan Officer on the market ADRIENNE SANCHEZ! This girl is a wizard when it comes to loans. I don’t know how she does it, but dang she is so talented. I recommend this place 11 out of 10!!! The buying experience is flawless with them:)
Jason T.
Austin
08/28/2022
Star Star Star Star Star
Highly recommended
Charlie and his staff did an amazing job helping us finance our dream house! Highly recommended.
P M
Austin
Star Star Star Star Star
Knowledgeable. Efficient.
Knowledgeable. Efficient. Super easy to work with. highly recommend Rachel Brown.
Karen W.
Houston
08/25/2022
Star Star Star Star Star
Highly recommend Cameron

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.

Mike Hetherly
Austin
02/03/2022
Star Star Star Star Star
Great experience overall
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!
James Lundberg
Austin
03/29/2022
Star Star Star Star Star
Excellent service

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.

Tom Herod
Austin
02/07/2022
Star Star Star Star Star
Five star service!
We worked with ACM a couple of times this year and they were fantastic. Tom and Charlie were super nice and they made the process easy for us. Five-star service!
Becky Widsom
Austin
03/21/2022
Star Star Star Star Star
Phenomenal lender!
Phenomenal lender. I was new to the home-buying and lending scene, and he could not have been more accommodating. He answered every question I had and then some. I would highly recommend Paul and his team to anyone looking to buy a home. I will 100% be using him in the future.
Josh Rapp
Houston
Star Star Star Star Star
Made the entire process much easier than I expected
Made the entire process much easier than I had expected. If everyone is as capable as Josh, there should be no other choice!!
Jesse Gonzales, Jr
Austin
09/21/2022
Star Star Star Star Star
INCREDIBLE to work with

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!

Andrea Bright-Fontana
Austin
02/23/2022
Star Star Star Star Star
I would recommend these guys to everyone!
Cameron with Austin Capital was the absolute best in getting my loan funded and closed on time. I originally had contacted them as a backup plan so when the other lender kept having issues and was not getting things done on time on their end, I called Cameron who had my file ready to roll and within a few weeks of the close date made it happen. I would recommend these guys to everyone. You will be happy with their ability to get things done and get them done quickly and on time but the professional attitude and overall care they gave me made all the difference. 6 stars!
Ben G.
Austin
Star Star Star Star Star
Easy and smooth!
Not only am I a real estate broker, but I am also a client! Paul Mitchell and his team are at the top of my lender referral list. I found the initial communication process to be very good, when we discussed various options. Then, the application and approval process was easy and went smooth. Closing happened in no time at all. Thanks Paul.
David Edgerton
Houston
Star Star Star Star Star
Very helpful

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.

416drew
Austin
03/29/2022
Star Star Star Star Star
Great customer service
Great customer service and advice.
Laura Saintey
Houston
09/09/2022
Star Star Star Star Star
Super happy!

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!

James Lundberg
Austin
03/29/2022
Star Star Star Star Star
Charlie and his team are fantastic!
Charlie and his team are fantastic! They are responsive, attentive and I always feel like they have my best interests at heart! I will be working with Charlie again!
Ted Crossley
Austin
09/02/2022
Star Star Star Star Star
Local and Friendly!!!
LOCAL AND FRIENDLY!!!! Paul and Juliann were amazing! Not only were they incredibly nice, but they were very honest. We received the most up to date information. Paul worked to make sure we received everything we needed. Both were always available for questions. We closed on-time!!! We highly recommend Paul and his team!!
Naomi Pipes
Houston
Star Star Star Star Star
10 out of 10 great experience!
Austin Capital Mortgage was a wonderful experience for our family. The entire team was dedicated to educating us, bringing us comfort, and provided a 10 out of 10 great experience. Adrienne specifically replied to us in the evenings and on weekends making sure we were secure and comfortable the entire time. She exemplified what a talented individual at this level should be. Few times in our careers have we experienced Adrienne’s level of service. We have no doubt we will be working with Austin Capital Mortgage again in the future for all of our financing needs.
B Gaynor
Austin
02/07/2022
Star Star Star Star Star
Very responsive

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!

Audrey Ormond
Austin
04/18/2022
Star Star Star Star Star
Easy and Informed

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.

Emi Mccollum
Austin
04/18/2022
Star Star Star Star Star
Really great experience!

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!

Ryan Hayes
Austin
04/25/2022
Star Star Star Star Star
Helped us every step of the way

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.

Chuck Bloodgood
Austin
07/18/2022
Star Star Star Star Star
Professional!

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

Lacey Warren Brown
Austin
07/06/2022
Star Star Star Star Star
Top Notch!

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.

Steve N
Austin
07/29/2022
Star Star Star Star Star
Paul was Fantastic!

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!!!

Richard L.
Houston
01/03/2018
Star Star Star Star Star
Tom Oltmann was a rock star!

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!

Evan Hanson
Austin
07/31/2022
Star Star Star Star Star
Highly Recommend
I highly recommend Rachel Brown at Austin Capital Mortgage. Rachel is excellent and went above and beyond to address all of our concerns during the purchase of our new home.
Jody Greenfield
Austin
05/01/2022
Star Star Star Star Star
5 Star experience
Nicholas J was fantastic to work with throughout the entire process. He was patient and punctual with all our concerns and inquiries. I would HIGHLY recommend using Nick as well as Austin Capital Mortgage for your next lending needs. I have nothing bad to say. Truly a 5 star experience.
LeKhan James
Austin
05/02/2022
Star Star Star Star Star
Definitely recommend!
Got approved very quickly unlike other mortgage companies with the help of Derek Poehlmann. He helped out every step of the way and made everything simple and understanding. Definitely recommend Derek and Austin capital mortgage
Jacob Granado
Austin
05/31/2022
Star Star Star Star Star
Paul uses every resource possible to get you the best rate!

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!

Mike L
Houston
04/26/2017
Star Star Star Star Star
I will always be grateful
I can not say enough good things about Rachel Brown at Austin Capital Mortgage. To say I wouldn’t be a homeowner without her is not an exaggeration. For two years Rachel has worked with me on finding, financing and closing on a home. Her advice locked in an interest rate that made my home affordable and her help with financing was invaluable. This was a stressful process and her availability and vast knowledge made all the difference. I will always be grateful to her for her guidance and expertise in buying my home!
Elisabeth C
Austin
06/09/2022
Star Star Star Star Star
Extremely Helpful!
I have now bought my last 2 houses in the ATX area with Austin Capital! I worked with Cooper and Adrienne Sanchez both times. They were both extremely helpful throughout the entire journey. Could not recommend them more!
Stephen Popeck
Austin
06/16/2022
Star Star Star Star Star
Amazing!
I can’t say enough good things about Tom and his team at Austin Capital Mortgage! I’m a realtor and I was introduced to Tom through my clients who had gotten pre approved before reaching out to me. As a realtor, it’s always nerve racking working with a new lender because you never know what you’re going to get. I have to say I am so thankful that Tom and I got connected through our mutual client because he was AMAZING! He is so proactive, calls with updates and didn’t pass me off to multiple different assistants. If I have a client looking to get pre-approved I will definitely be recommending they get in touch with Tom and this is coming from someone who has worked with a lot of lenders in the Austin area.
Haylee Hibdon
Austin
06/15/2022
Star Star Star Star Star
Could not be more pleased!
I was referred to Rachel Brown through our realtor and I could not be more pleased with how our close process went. She was thorough and clear in her communication and attention to detail and she truly helped make the home-buying process so much simpler than it otherwise could have been. I highly recommend her for assisting others with the close!
Joshua VandeBunte
Austin
07/12/2022
Star Star Star Star Star
Truly recommend Paul
I truly recommend Paul. We bought our dream house and he worked hard with us to make it happen. Very professional and always available to any questions we had. I definitely recommend his services and I’ll definitely use him if ever need to in the future.
Carla Abiloglu
Houston

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