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# Austin Capital Mortgage: Home Loans Made Easy

## Sitemaps
[XML Sitemap](https://austincapitalmortgage.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Can Oilfield Workers Get a Mortgage With 1099 Income?](https://austincapitalmortgage.com/oilfield-workers-mortgage-1099-income/): Can oilfield workers get a mortgage with 1099 income? Yes. Learn what underwriters review, which loan programs fit contract income, and what documents to gather first.
- [Cash Out Refinance: When It Makes Sense and How to Get Started](https://austincapitalmortgage.com/cash-out-refi-when-it-makes-sense-and-how-to-get-started/): Learn how a cash-out refinance works, when it may make financial sense, how much equity you may be able to access, and what to consider before applying.
- [FHA Mortgage Insurance (MIP) Explained: Upfront and Annual](https://austincapitalmortgage.com/fha-mortgage-insurance-mip-explained/): FHA mortgage insurance (MIP) comes in two parts. You pay a one-time upfront premium of 1.75% of your base loan amount at closing, which most borrowers finance into the loan.
- [FHA Credit Score Requirements: How Low Can You Qualify?](https://austincapitalmortgage.com/fha-credit-score-requirements/): FHA guidelines set a 500 minimum credit score. A score of 580 or higher qualifies you for the low 3.5% down payment, while a score of 500 to 579 requires 10% down. Below 500, FHA financing is not available.
- [FHA Down Payment Requirements and Gift Funds Rules](https://austincapitalmortgage.com/fha-down-payment-requirements/): FHA loans require a down payment of 3.5% of the purchase price if your credit score is 580 or higher, or 10% if your score falls between 500 and 579.
- [Best Mortgage Lenders for First-Time Buyers: What to Compare Before You Apply](https://austincapitalmortgage.com/best-mortgage-lenders-for-first-time-buyers/): The best mortgage lender for a first-time buyer is the one that matches your loan type, income documentation, and timeline — not just the one with the lowest advertised rate.
- [FHA Loan Requirements: A Complete Checklist for First-Time Home Buyers](https://austincapitalmortgage.com/fha-loan-requirements-checklist/): FHA loans require a minimum 580 credit score for 3.5% down, or a 500-579 score with 10% down.
- [Denied by Wells Fargo: How a Business Owner Got Approved in 20 Days – A Case Study](https://austincapitalmortgage.com/wells-fargo-case-study/): A denial from a large national lender does not mean you do not qualify for a mortgage. It often means the lender's system could not handle the complexity of your file.
- [Debt-to-Income Ratio (DTI): Importance, Common Mistakes, and Best Practices](https://austincapitalmortgage.com/debt-to-income-ratio-dti-importance-common-mistakes-and-best-practices/): TL;DRUnderstanding debt-to-income ratio (DTI) is essential for a healthy and stable financial life. It is a number lenders use to see if you can handle your monthly payments and pay back what you owe.
- [Inside Joe Rogan’s $14.4M Texas Mansion: A Luxurious Retreat](https://austincapitalmortgage.com/joe-rogan-s-mansion-in-austin-texas-a-luxurious-retreat-for-the-ultimate-lifestyle/): Joe Rogan, the podcaster, comedian, and UFC commentator left behind the high taxes and restrictions of California for a lavish new lakeside house worth $14.4 million in Austin, Texas.
- [What Are the Requirements for a Profit and Loss Mortgage?](https://austincapitalmortgage.com/profit-and-loss-mortgage-requirements/): A Profit and Loss mortgage is a non-QM loan that lets self-employed borrowers qualify using a 12- to 24-month CPA-prepared profit and loss statement instead of tax returns. 
- [What Are the Requirements for a Bank Statement Loan in 2026?](https://austincapitalmortgage.com/what-are-the-requirements-for-a-bank-statement-loan-in-2026/): Bank statement loan qualifies self-employed borrowers based on 12 to 24 months of personal or business bank deposits rather than tax returns.
- [Bank Statement vs. Conventional vs. FHA: Which Loan Is Right for You as a Self-Employed Borrower?](https://austincapitalmortgage.com/bank-statement-vs-conventional-vs-fha-which-loan-is-right-for-you-as-a-self-employed-borrower/): Self-employed borrowers have three primary mortgage paths: conventional loans, FHA loans, and bank statement loans. Conventional and FHA loans both rely on tax returns to calculate qualifying income, which can work against borrowers whose deductions significantly reduce what they show on paper.
- [1099 Loan Requirements | How to Qualify for a Mortgage With 1099 Income?](https://austincapitalmortgage.com/1099-loan-requirements-how-to-qualify-for-a-mortgage-with-1099-income/): 1099 contractors can qualify for a mortgage using a 1099 income home loan. Lenders calculate your qualifying income by averaging your 1099 earnings over two years using your tax returns and 1099 forms.

## Pages
- [The Complete Mortgage Guide for Texas Home Buyers](https://austincapitalmortgage.com/guide-for-texas-home-buyers/): Texas home buyers can finance a purchase through several main paths: conventional, FHA, VA, USDA, and non-QM loans, often paired with state assistance from TDHCA, TSAHC, or a Mortgage Credit Certificate.
- [Rate Alerts](https://austincapitalmortgage.com/rate-alerts/)
- [FHA Loans: A Complete Guide for First-Time Home Buyers](https://austincapitalmortgage.com/fha-for-first-time-buyers/): This guide explains what an FHA loan is, who it fits, what the requirements look like, and how it compares with conventional and other first-time buyer programs. It is written for first-time buyers weighing several loan paths who want a clear answer before applying.
- [Self-Employed Mortgage: A Complete Guide to Your Home Loan Options](https://austincapitalmortgage.com/self-employed-mortgage-pillar/): There is no single "self-employed mortgage" product; there are multiple loan paths, each with different documentation rules and qualification standards.
- [Blog](https://austincapitalmortgage.com/blog/)
- [Contact](https://austincapitalmortgage.com/contact/)
- [Schedule a call](https://austincapitalmortgage.com/schedule-a-call/)
- [Mortgage Calculator](https://austincapitalmortgage.com/mortgage-calculator/)
- [Affordability Calculator](https://austincapitalmortgage.com/affordability-calculator/)
- [About us](https://austincapitalmortgage.com/about-us/)
- [Get a quote](https://austincapitalmortgage.com/get-a-quote/)
- [Today’s Live Mortgage Rates](https://austincapitalmortgage.com/todays-live-mortgage-rates/)
- [Reviews](https://austincapitalmortgage.com/reviews/)
- [Austin Capital Mortgage | Top Mortgage Brokers Since 1996](https://austincapitalmortgage.com/)
- [Legal Disclosures & Licensing](https://austincapitalmortgage.com/legal-disclosures-licensing/): Legal Disclosures
- [Terms of use](https://austincapitalmortgage.com/terms-of-use/): By accessing or using any website operated by or affiliated with Aspire Home Loans LLC, NMLS# 1955132 ("Aspire," "we," "us," or "our"), including all loan officer and DBA websites associated with Aspire, you agree to be bound by these Terms of Use. If you do not agree with these Terms of Use, please do not use this website.
- [Privacy Policy](https://austincapitalmortgage.com/privacy-policy/): This Privacy Policy describes the policies and procedures of Aspire Home Loans LLC ("Company," "we," "us," or "our") on the collection, use, and disclosure of your information when you use our website and services. It explains your privacy rights and how applicable law protects you. By using our website, you agree to the collection and use of information in accordance with this Privacy Policy.
- [Self Employed Landing Page](https://austincapitalmortgage.com/self-employed-lp/)

## Loans
- [Jumbo Home Loans](https://austincapitalmortgage.com/loans/jumbo-home-loans/)
- [VA Loan](https://austincapitalmortgage.com/loans/va-loan/)
- [USDA Home Loan](https://austincapitalmortgage.com/loans/usda-home-loan/)
- [1099 Loan](https://austincapitalmortgage.com/loans/1099-loan/)
- [Bank Statement Loan](https://austincapitalmortgage.com/loans/bank-statement-loan/)
- [Cash Out Refinance](https://austincapitalmortgage.com/loans/cash-out-refinance/)
- [Rate & Term Refinance](https://austincapitalmortgage.com/loans/rate-term-refinance/)
- [Conventional Home Loan](https://austincapitalmortgage.com/loans/conventional-home-loan/)
- [FHA Loan](https://austincapitalmortgage.com/loans/fha-loan/)
- [Self Employed Mortgage](https://austincapitalmortgage.com/loans/self-employed-mortgage/)

## Reviews

## My Templates
- [Loans (Single)](https://austincapitalmortgage.com/template/loans-single/)