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Information and resources on mortgage rates and plans

Austin Capital Mortgage wants to help you succeed, so our experts have compiled resources addressing mortgage types, rates, services, solutions, and calculations.


Whether you’re looking for inspiration, trying to understand how to purchase a home, or evaluating a refinance, we have content that can help you.

Mortgage Resources

By Kari Cooper January 28, 2025
For self-employed homebuyers, navigating the world of mortgages can feel daunting. With fluctuating incomes and non-traditional income verification processes, it can seem like the odds are stacked against you. At Austin Capital Mortgage, we specialize in simplifying the process, offering personalized solutions for self-employed individuals looking to achieve their dream of homeownership. From tailored loan options to expert guidance, here’s why we are your one-stop shop for securing a 1099 mortgage.
2025 Home Buying and Mortgage Rate Forecast
By Kari Cooper January 22, 2025
Overview The housing market remains a vital part of the economy, influencing everything from personal finances to broader economic trends. In 2025, the real estate landscape is poised for shifts driven by evolving economic conditions, buyer demographics, and government policies. For anyone navigating the market—especially self-employed individuals or first-time homebuyers—understanding mortgage trends and home buying dynamics will be critical to making informed decisions. From exploring home loans for self-employed borrowers to understanding 1099 mortgage requirements, preparation is the key to success.
By Kari Cooper January 1, 2025
Cash-out refinancing is helping Texans tap into their home equity for major life needs without selling their homes.  With unique state protections and rising home values, here’s how you can use this tool to achieve your financial goals.
By Kari Cooper September 17, 2024
When it comes to securing a mortgage, you have three main options: mortgage brokers, banks, and private lenders. Each option has its own set of benefits, but deciding which one works best for you depends on your financial situation and what you value most — whether it’s personalized service, fast processing, or a wide range of loan options. Let’s dive into what sets each apart.
How to Find the Best Mortgage Lender in Austin?
By Kari Cooper September 6, 2024
Understanding what to look for in a lender and how to avoid common mistakes can make a huge difference in your home-buying experience.
By Kari Cooper July 5, 2024
As a 1099 income earner, getting a loan can be tough. Basic and intermediate strategies are important, but advanced techniques can greatly boost your chances. This article explores expert tips and advanced strategies for securing 1099 income loans, guiding you through financial documentation, credit management, loan negotiations, and more.
By Brent Werbeck July 3, 2024
For many self-employed people, getting a mortgage with 1099 income can be tough. While the basics might be straightforward, using some advanced strategies can really improve your chances of getting approved. This guide explores the details of 1099 income loans, especially for mortgages.  It offers in-depth tips on paperwork, credit scores, choosing the right lender, and more.
By Brent Werbeck July 1, 2024
As a freelancer or independent contractor, receiving a 1099 form for income is common. Unlike traditional employees who receive a W-2, 1099 income can be more variable and may present challenges when applying for loans. A 1099 income loan is tailored to individuals without a regular paycheck who still need access to financial products like mortgages or personal loans. This guide offers essential tips to improve the chances of securing a loan as a 1099 income earner. 
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