Does Austin have USDA-eligible areas?

Yes. Certain suburban and rural areas surrounding Austin may qualify for USDA loans with 0% down, depending on the property location.

What credit score is required to qualify for a mortgage in Austin?

We offer options with no minimum credit score, including VA loans that can be manually underwritten.

Can I buy a home in Austin if I’m self-employed?

Yes. We offer bank statement loans, DSCR loans, and other Non-QM programs designed for self-employed or non-traditional borrowers.

Do you offer down payment assistance in Austin?

We work with down payment assistance programs that may be available to eligible buyers. Let us help you explore options.

Explore mortgage options for buying, refinancing, or investing in Austin. Competitive rates and personalized service.

The Austin mortgage market offers a wide range of financing options for homebuyers and homeowners, including Conventional, FHA, VA, USDA, Jumbo, and Non-QM loans. Whether purchasing in Travis County, refinancing for better terms, or leveraging equity, borrowers benefit from comparing local loan programs, down payment assistance, and refinancing strategies. The JD.Mortgage team at PRMG—licensed in 49 states (excluding NY)—provides hybrid direct lending and broker access to structure Austin mortgages with clarity and flexibility.

Austin Mortgage

If you’re exploring an Austin mortgage, you’ll find one of the most dynamic housing markets in Texas. With rapid growth, diverse neighborhoods, and rising property values, choosing the right home loan or refinance strategy is essential. The JD.Mortgage team at PRMG offers Conventional, FHA, VA, USDA, Jumbo, Non-QM, and refinance programs to match your goals. Compare Austin mortgage options with our team.

Home Purchase Loans in Austin

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Austin buyers can choose from low-down Conventional loans, FHA financing, VA benefits, and USDA in eligible areas near the city. Whether you’re buying a first home in South Austin, upgrading in Westlake, or purchasing investment property near The Domain, we’ll align financing with your budget and plan. See our Home Purchase guide.

Refinance Options in Austin

Refinancing can lower your rate, shorten your term, or provide cash-out for renovations or debt consolidation. With rising equity in Austin homes, refinance strategies often unlock strong opportunities for savings or reinvestment. Review refinance options.

Loan Programs for Austin Homeowners

We structure loans across:
– Conventional for well-qualified buyers
– FHA for affordable entry
– VA for service members and veterans
– USDA for eligible rural areas around Austin
– Jumbo for higher-priced homes in the metro
– Non-QM for unique income situations
– HELOCs and Seconds for tapping equity

Austin Market Insights

Austin continues to attract tech professionals, students, and relocating families, driving demand in neighborhoods from East Austin to Lake Travis. Mortgage strategies should consider property taxes in Travis County, HOA dues in master-planned communities, and appreciation trends. See City of Austin resources.

Down Payment Assistance in Austin

First-time and repeat buyers may qualify for local and state down payment assistance programs. These can reduce upfront costs and help buyers compete in a competitive market. Explore down payment assistance options.

Why Work With the JD.Mortgage Team at PRMG

The JD.Mortgage team operates as a hybrid direct lender and broker, expanding your mortgage options while keeping execution efficient. Lending in 49 states (excluding NY), we combine broad program access with borrower-first guidance to make Austin mortgage decisions clear and actionable. Learn more about our team.

Frequently Asked Questions: Austin Mortgages

Here are answers to the most common questions about mortgages in Austin. Jump to the FAQ section now.

Next Steps

Whether you’re buying in Austin, refinancing, or leveraging equity, we’ll map out side-by-side options to help you decide with confidence. Start a quick conversation with our team.

Austin Mortgage FAQs

What credit score is needed for an Austin mortgage?
Requirements vary by program. Conventional loans often prefer 620+, FHA can be flexible, and VA loans may allow approvals with lower scores. See loan options.

Are Austin home prices too high for first-time buyers?
Rising prices can be offset with FHA, VA, or down payment assistance programs designed to make ownership more accessible. Explore FHA loans.

Can I refinance my Austin home if values have increased?
Yes. Increased equity may allow you to remove mortgage insurance, shorten your term, or take cash out. Review refinance strategies.

Are Jumbo loans common in Austin?
Yes, especially in higher-priced neighborhoods. Jumbo loans cover amounts above FHFA limits. See Jumbo details.

Does Austin offer USDA eligibility?
Many suburban and rural areas around Austin may qualify for USDA loans, offering 0% down options. Learn about USDA loans.

Need help navigating your Austin mortgage options? Let’s talk through your situation and build a plan that works for you.

Let's Get Started!

J.D. Peck

Your Austin Mortgage Resource