Mortgage broker in Austin, TX.
Conventional, FHA, VA, USDA, Jumbo, and Non-QM lending across Greater Austin. Same loan officers from soft-pull pre-qualification to clear-to-close.
- Local Greater Austin lender — fast pre-qualification, no surprises
- Conventional, FHA, VA, USDA, Jumbo, and Non-QM under one roof
- Texas-only focus. Q Mortgage LLC, NMLS #2567464
Austin mortgage market at a glance
- Conforming limit
- $806,500
- 2026
- FHA single-family
- $709,500
- Travis County
- Population
- 975,000
- 2024
Mortgages, built around Austin.
Buying a home in Austin means competing in one of Texas's most active housing markets. From the tech corridors near The Domain to established neighborhoods in the Austin Independent School District, demand stays strong year-round. Q Mortgage (NMLS #2567464) is a Texas-only mortgage broker that works with a network of lenders to find loan options that fit your situation — without the run-around you'd get from a big-box bank.
How much home can you afford in Austin?
Adjust the inputs to see your max purchase price, target monthly payment, and front-end/back-end DTI. Tied to the same calc engine our loan officers use.
Gross household income
Cards, auto, student loans
Cash you have available
Texas avg ~2.0%
36% = conservative, 43% = QM, 50% = aggressive
- Principal & interest
- $1,639.80
- Property tax
- $496.49
- Home insurance
- $150.00
- PMI
- $113.71
- Front-end (housing)
- 30.3%
- Back-end (housing + debts)
- 36.0%
- Loan amount
- $272,897
- LTV at origination
- 91.6%
- Cash to close (est.)
- $33,937
Enter your contact info to download the PDF summary.
Estimate only. Lenders evaluate credit score, employment history, asset reserves, and loan program in addition to DTI. Cash-to-close uses a 3% closing-cost estimate; actual closing costs vary by lender, title, and county.
The Austin market in context.
Austin sits in Travis County, where home prices across many neighborhoods push well above the conforming loan limit of $806,500. That puts a meaningful share of purchases in jumbo territory, especially in areas like West Austin and the 78746 zip code. The FHA single-family loan limit for Travis County is $709,500, which means FHA financing still covers a solid range of entry-level and mid-tier properties, but buyers targeting higher price points will need conventional or jumbo solutions. Travis County draws a wide buyer profile — first-time buyers using down payment assistance, move-up buyers trading equity from other Texas markets, and tech-sector employees relocating for roles at major employers headquartered along the North Austin corridor.
Every loan program we close, available across Greater Austin.
Austin's price range calls for a mix of programs. Jumbo loans are the right conversation for purchases above $806,500, and Q Mortgage works with lenders offering both fixed and adjustable jumbo products. Conventional conforming loans cover a large portion of the market and work well for buyers with strong credit and at least 3-5% down. FHA loans, with a Travis County limit of $709,500, suit buyers focused on entry-level neighborhoods or those who need flexible credit guidelines. VA loans are available up to the $806,500 county limit for eligible veterans and active-duty service members with no down payment required. Texas down payment assistance programs can also layer on top of FHA or conventional financing for qualifying first-time buyers.
Government-backed
FHA Loans
Low down payment, flexible credit. Great for first-time buyers.
Learn moreVA Loans
Zero-down financing for veterans, active duty, and surviving spouses.
Learn moreUSDA Loans
Zero-down for rural and suburban-eligible properties.
Learn moreFirst-Time Home Buyer
Programs and guidance for your first purchase.
Learn moreDown Payment Assistance
TX grants and second-lien programs to bridge the down-payment gap.
Learn more1% Down Programs
Special programs that close with as little as 1% from you.
Learn moreZero Down Programs
Pathways to a zero-down purchase via VA, USDA, or lender credits.
Learn more100% Financing
100% LTV options for qualifying borrowers.
Learn moreConventional
Conventional Loans
Standard 3% to 20% down loans backed by Fannie/Freddie.
Learn moreJumbo Loans
Above-conforming financing for higher-priced homes.
Learn moreFixed-Rate Mortgage
Lock the same rate for 15 or 30 years.
Learn moreAdjustable-Rate Mortgage
Lower intro rate for buyers who plan to move or refi.
Learn more30-Year Mortgage
Most-common loan term for primary residences.
Learn moreRefinance & equity
Refinance Overview
Find the right refi structure for your equity + rate goals.
Learn moreRate-and-Term Refinance
Lower your rate or shorten your term.
Learn moreCash-Out Refinance
Tap equity for renovations, debt consolidation, or investment.
Learn moreHELOC
Revolving credit line tied to your home equity.
Learn moreHome Equity Loan
Fixed-rate second lien against your TX home equity.
Learn moreSpecialty programs
Rent-to-Own
Lease-to-purchase pathway for buyers who need time.
Learn moreNew Construction
Financing for spec, semi-custom, and custom new builds.
Learn moreConstruction & Renovation
Single-close construction or renovation financing.
Learn moreLand Loans
Acquire raw or improved land for future construction.
Learn moreMedical Professional
Physician/MD/DO programs with relaxed DTI + student-loan handling.
Learn moreITIN Loans
Financing for borrowers without an SSN using an ITIN.
Learn moreTip Worker Loans
Income-qualification using documented tip income.
Learn moreNon-QM & investor
Bank Statement Loans
12- or 24-month bank statements in lieu of tax returns.
Learn moreP&L Loans
CPA- or borrower-prepared P&L for self-employed income.
Learn more1099 Loans
Qualify on 1099 income instead of W-2 or returns.
Learn moreAsset Depletion
Qualify using verified assets converted to monthly income.
Learn moreDSCR (Investor)
Qualify the property — no personal income docs required.
Learn moreFix-and-Flip
Short-term acquisition + rehab financing for flippers.
Learn moreBridge / Hard Money
Short-term financing to bridge purchase and permanent loan.
Learn morePortfolio / Blanket
Single loan across multiple investment properties.
Learn moreShort-Term Rental
Financing structured around STR / Airbnb income.
Learn moreForeign National
TX financing for non-US-citizen / non-resident borrowers.
Learn moreExpanded Program
Catch-all Non-QM for scenarios outside standard guidelines.
Learn moreAustin mortgage FAQs
What is the conforming loan limit in Austin, TX?
What is the FHA loan limit for Austin and Travis County?
Do I need a jumbo loan to buy a home in Austin?
Can I use a VA loan to buy in Austin with no down payment?
Are there down payment assistance programs for first-time buyers in Austin?
Is it worth refinancing my Austin home if I bought in the last few years?
Ready to get pre-qualified in Austin?
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Other Greater Austin markets we serve.
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