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GREATER AUSTIN

Mortgage broker in Bastrop, 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
Get Pre-Qualified Call (903) 402-5626
Local snapshot

Bastrop mortgage market at a glance

Conforming limit
$806,500
2026
FHA single-family
$709,500
Bastrop County
Population
12,500
2024
Why buyers choose Q Mortgage

Mortgages, built around Bastrop.

Bastrop is one of Greater Austin's most distinctive small cities -- a historic downtown on the Colorado River, a growing population drawn by lower land costs east of the metro, and a tight-knit community anchored by employers like the SpaceX Starbase corridor and Bastrop Independent School District. Q Mortgage (NMLS #2567464) works exclusively in Texas, and Bastrop buyers get a broker who knows Bastrop County's market, not a call center routing you through a generic pipeline.

Try it

How much home can you afford in Bastrop?

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 %

36% = conservative, 43% = QM, 50% = aggressive

Max home price
$297,897
Max monthly payment (PITI + PMI)
$2,400.00
Payment breakdown
Principal & interest
$1,639.80
Property tax
$496.49
Home insurance
$150.00
PMI
$113.71
DTI ratios
Front-end (housing)
30.3%
Back-end (housing + debts)
36.0%
Loan summary
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.
Local market

The Bastrop market in context.

Bastrop sits in Bastrop County on the eastern edge of the Greater Austin metro, where lot sizes tend to run larger and price points typically land below what you'd find inside Travis County. The 2025 conforming loan limit for Bastrop County is $806,500 and the FHA single-family limit is $709,500, which means most purchases here fall comfortably within conforming territory. That's good news for buyers who want standard pricing without jumping to jumbo guidelines. Entry-level and mid-range buyers are the dominant profile, from first-time buyers priced out of Austin proper to relocating families and retirees drawn to the Colorado River corridor and the Lost Pines area. Bastrop County's lower overall price band makes government-backed programs especially accessible here.

Programs available in Bastrop

Every loan program we close, available across Greater Austin.

Because most Bastrop home prices fall within Bastrop County's $806,500 conforming limit, conventional financing is a natural fit for the majority of buyers. FHA loans -- with a county limit of $709,500 -- are well-suited to first-time buyers in entry-level neighborhoods who can bring a lower down payment. VA loans mirror the conforming limit at $806,500, making them a strong option for veterans and active-duty borrowers drawn to the area's more affordable acreage and rural properties. USDA Rural Development loans may also apply to certain Bastrop County addresses given the area's rural and semi-rural character -- worth checking if you're buying outside the city core. For purchases that exceed the conforming limit, jumbo financing is available through Q Mortgage as well.

Government-backed

FHA Loans

Low down payment, flexible credit. Great for first-time buyers.

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VA Loans

Zero-down financing for veterans, active duty, and surviving spouses.

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USDA Loans

Zero-down for rural and suburban-eligible properties.

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First-Time Home Buyer

Programs and guidance for your first purchase.

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Down Payment Assistance

TX grants and second-lien programs to bridge the down-payment gap.

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1% Down Programs

Special programs that close with as little as 1% from you.

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Zero Down Programs

Pathways to a zero-down purchase via VA, USDA, or lender credits.

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100% Financing

100% LTV options for qualifying borrowers.

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Conventional

Conventional Loans

Standard 3% to 20% down loans backed by Fannie/Freddie.

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Jumbo Loans

Above-conforming financing for higher-priced homes.

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Fixed-Rate Mortgage

Lock the same rate for 15 or 30 years.

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Adjustable-Rate Mortgage

Lower intro rate for buyers who plan to move or refi.

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30-Year Mortgage

Most-common loan term for primary residences.

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Refinance & equity

Refinance Overview

Find the right refi structure for your equity + rate goals.

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Rate-and-Term Refinance

Lower your rate or shorten your term.

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Cash-Out Refinance

Tap equity for renovations, debt consolidation, or investment.

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HELOC

Revolving credit line tied to your home equity.

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Home Equity Loan

Fixed-rate second lien against your TX home equity.

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Specialty programs

Rent-to-Own

Lease-to-purchase pathway for buyers who need time.

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New Construction

Financing for spec, semi-custom, and custom new builds.

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Construction & Renovation

Single-close construction or renovation financing.

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Land Loans

Acquire raw or improved land for future construction.

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Medical Professional

Physician/MD/DO programs with relaxed DTI + student-loan handling.

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ITIN Loans

Financing for borrowers without an SSN using an ITIN.

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Tip Worker Loans

Income-qualification using documented tip income.

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Non-QM & investor

Bank Statement Loans

12- or 24-month bank statements in lieu of tax returns.

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P&L Loans

CPA- or borrower-prepared P&L for self-employed income.

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1099 Loans

Qualify on 1099 income instead of W-2 or returns.

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Asset Depletion

Qualify using verified assets converted to monthly income.

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DSCR (Investor)

Qualify the property — no personal income docs required.

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Fix-and-Flip

Short-term acquisition + rehab financing for flippers.

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Bridge / Hard Money

Short-term financing to bridge purchase and permanent loan.

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Portfolio / Blanket

Single loan across multiple investment properties.

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Short-Term Rental

Financing structured around STR / Airbnb income.

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Foreign National

TX financing for non-US-citizen / non-resident borrowers.

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Expanded Program

Catch-all Non-QM for scenarios outside standard guidelines.

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Frequently asked

Bastrop mortgage FAQs

What is the conforming loan limit for Bastrop County in 2025?
The 2025 conforming loan limit for Bastrop County is $806,500 for a single-family home. Most purchases in Bastrop fall under this ceiling, so the majority of buyers here can use conventional financing without stepping into jumbo territory.
Can I use an FHA loan to buy a home in Bastrop, TX?
Yes. The FHA loan limit for Bastrop County is $709,500 for a single-family property. FHA is a practical option for buyers who want a lower down payment or have a credit profile that doesn't quite hit conventional thresholds. It's particularly common for entry-level purchases in Bastrop.
Do VA loans work for rural or acreage properties near Bastrop?
VA loans can work on rural and acreage properties, though the property does need to meet VA minimum property requirements and appraise accordingly. The VA loan limit for Bastrop County matches the conforming limit at $806,500. If you're a veteran looking at land-heavy properties in the Lost Pines area, it's worth a conversation with Q Mortgage to see what applies to your specific parcel.
Are there USDA loan options in Bastrop County?
Potentially, yes. Parts of Bastrop County -- especially addresses outside the city core -- may fall within USDA Rural Development eligible zones. USDA loans offer zero down payment for qualifying buyers and properties. Eligibility is address-specific, so you'd need to confirm the property qualifies before counting on this program.
Is Bastrop considered part of the Austin metro for mortgage purposes?
Bastrop County is part of the Greater Austin metro area. That matters because it means the county shares Austin's higher conforming and FHA loan limits rather than using the national baseline figures, which gives Bastrop buyers more room to finance without going jumbo.
Can I refinance a home in Bastrop if I already have a mortgage?
Yes. Q Mortgage works with Bastrop homeowners on rate-and-term refinances and cash-out refinances, subject to standard program guidelines and your current equity position. Whether it makes sense depends on your existing loan terms, your goals, and current market conditions -- there's no universal answer, but it's worth running the numbers.

Ready to get pre-qualified in Bastrop?

Soft-pull pre-qualification in minutes. No surprises — just a clear number you can shop with.

Get Pre-Approved Call (903) 402-5626
Nearby cities

Other Greater Austin markets we serve.

Austin, TX
Travis County
Round Rock, TX
Williamson County
Georgetown, TX
Williamson County
Cedar Park, TX
Williamson County
Leander, TX
Williamson County
Pflugerville, TX
Travis County
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