Austin Mortgage Solutions for Every Homebuyer and Homeowner

Looking for a reliable Austin mortgage lender who understands the local market and offers flexible options tailored to your needs? Whether you’re buying your first home, upgrading to a larger space, refinancing, or investing in property, the JD.Mortgage team provides access to a full spectrum of mortgage programs with competitive rates and expert guidance.

See which loan options fit your goals.

Why Austin Is One of the Most Competitive Markets in Texas

Austin’s thriving economy, fueled by major employers like Tesla, Apple, and the University of Texas, has made it a magnet for tech professionals, creatives, families, and retirees alike. As one of the fastest-growing metro areas in the U.S., the need for smart mortgage strategies has never been more important. Whether you’re relocating from another state or already living in Central Texas, navigating Austin’s real estate market requires more than a preapproval—it requires a plan.

Connect with an Austin mortgage specialist today.

Home Purchase Loans in Austin

We make it easy to secure financing for all types of properties across the Austin area, from new builds in Easton Park and Buda to established homes in Hyde Park or Tarrytown. Choose from popular loan programs including:

• Conventional Loans
• FHA Loans
• VA Loans (No Minimum Credit Score)
• USDA Loans
• Jumbo Loans

Compare loan programs and start your plan.

Refinance Options for Austin Homeowners

If you already own property in Travis, Williamson, or Hays County, refinancing your mortgage could help lower your payment, eliminate PMI, or access home equity. With values rising in neighborhoods like Cedar Park, Westlake, and Pflugerville, refinancing can be a strategic financial move. Whether you’re considering a rate-and-term refinance or cash-out option, we’ll help you review what’s possible.

Find out if refinancing is right for you.

Support for First-Time Buyers

Buying your first home in Austin? From understanding property taxes and HOAs to qualifying for down payment assistance programs, our team will walk you through every step. We’re here to help you feel confident from pre-qualification through closing—and beyond.

Explore first-time buyer programs and grants.

Options for Investors and Self-Employed Borrowers

Austin’s hot rental market and gig economy have created demand for mortgage programs outside of traditional guidelines. Whether you’re a real estate investor or self-employed buyer, we offer flexible Non-QM loans including:

• Bank Statement Loans
• DSCR Investor Loans
• ITIN Loans
• Asset Depletion

Learn more about flexible mortgage programs.

Austin Mortgage FAQs

What’s the average down payment in Austin? While 20% is ideal, many buyers use 3–5% down options with FHA or Conventional financing.

How long does the mortgage process take? Typically 21–30 days, but can vary depending on loan type and documentation.

Can I get preapproved before choosing a home? Yes, and it’s recommended—especially in Austin’s fast-moving market.

Ask your own mortgage questions here.

Explore Your Loan Options with the JD.Mortgage Team

No matter your homeownership goals in Austin, the JD.Mortgage team is ready to help. We’re proud to offer a wide range of solutions, including:

• VA Loans
• FHA Loans
• USDA Loans
• DPA Programs
• Bank Statement & Non-QM
• HELOCs & Second Mortgages
• Reverse Mortgages
• Construction Loans

Get matched with the right loan program.