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GREATER AUSTIN

Mortgage broker in Round Rock, 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

Round Rock mortgage market at a glance

Conforming limit
$806,500
2026
FHA single-family
$709,500
Williamson County
Population
130,000
2024
Why buyers choose Q Mortgage

Mortgages, built around Round Rock.

Round Rock sits at the northern edge of the Greater Austin metro, where Williamson County's growth corridor meets some of the most active residential streets in Central Texas. Dell Technologies — headquartered here — anchors a strong local job base that keeps buyer demand steady year over year. Whether you're shopping near the established neighborhoods off University Boulevard or eyeing newer builds closer to Round Rock ISD schools, Q Mortgage (NMLS #2567464) works as your dedicated Texas mortgage broker to match you with the right loan, not just the easiest one to close.

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How much home can you afford in Round Rock?

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 Round Rock market in context.

Round Rock sits within Williamson County, which carries a 2025 conforming loan limit of $806,500 and an FHA single-family limit of $709,500. That gap matters. Buyers in higher-priced pockets of the city may find themselves right at or above the FHA ceiling, making conventional financing a more practical path. The city draws a wide range of buyer profiles: first-time buyers drawn by Round Rock ISD's reputation, move-up buyers relocating for Dell Technologies or other employers along the US-79 and IH-35 corridors, and investors tracking the continued population growth that has pushed Round Rock past 130,000 residents. VA-eligible buyers benefit from the same $806,500 county limit, which covers a solid portion of the local market without requiring a jumbo structure.

Programs available in Round Rock

Every loan program we close, available across Greater Austin.

Conventional loans are the workhorse in Round Rock given the competitive price band relative to the $806,500 conforming limit. For buyers close to or exceeding that ceiling, jumbo financing is a real consideration and Q Mortgage has access to multiple jumbo options through its broker network. FHA loans at the $709,500 limit still serve entry-level buyers well, particularly in older established neighborhoods where price points are more modest. VA loans are a strong fit for the substantial veteran and active-duty population connected to nearby installations and defense contractors. USDA eligibility is limited inside Round Rock's city limits but may apply to addresses on the outer edges of Williamson County. Down payment assistance programs tied to the Texas state housing programs are also worth exploring for qualifying first-time buyers in Round Rock ISD attendance zones.

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

Round Rock mortgage FAQs

What is the conforming loan limit in Round Rock, TX for 2025?
Williamson County's 2025 conforming loan limit is $806,500 for a single-family home. Loans at or below that amount can be structured as conventional conforming mortgages, which typically carry more flexible guidelines and broader lender competition than jumbo products.
Does Round Rock fall within an FHA high-cost area?
Yes. The FHA single-family loan limit for Williamson County is $709,500 in 2025. That's well above the national baseline, reflecting the Greater Austin metro's elevated home prices. Buyers financing above that amount will need to look at conventional or jumbo options instead.
Can I use a VA loan to buy a home in Round Rock?
VA-eligible buyers in Round Rock can use their benefit up to the $806,500 Williamson County limit with no down payment required. Purchases above that ceiling are still possible but may require a partial down payment on the amount exceeding the county limit.
Is USDA financing available in Round Rock?
Most addresses within Round Rock's city limits do not qualify for USDA Rural Development financing because the area does not meet USDA's rural designation. However, some properties on the outer edges of Williamson County may still be eligible. Q Mortgage can run an address-level eligibility check for you.
What loan program makes the most sense for a first-time buyer in Round Rock ISD?
It depends on your credit profile, savings, and the specific purchase price. FHA loans work well for buyers with moderate credit or limited down payment funds, as long as the price stays within the $709,500 county limit. Conventional loans with 3% or 5% down are competitive for buyers with stronger credit. Texas state-level down payment assistance programs can layer on top of either product for qualifying applicants.
Do I need a jumbo loan to buy in Round Rock?
Not always, but it depends on the purchase price. The conforming limit in Williamson County is $806,500, which covers a large portion of the Round Rock market. If your loan amount exceeds that figure, you're in jumbo territory. Q Mortgage has access to jumbo programs through its broker network and can walk you through how the guidelines and pricing differ from conforming products.

Ready to get pre-qualified in Round Rock?

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
Georgetown, TX
Williamson County
Cedar Park, TX
Williamson County
Leander, TX
Williamson County
Pflugerville, TX
Travis County
San Marcos, TX
Hays County
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