Mortgage broker in Wimberley, 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
Wimberley mortgage market at a glance
- Conforming limit
- $806,500
- 2026
- FHA single-family
- $709,500
- Hays County
- Population
- 3,000
- 2024
Mortgages, built around Wimberley.
Wimberley draws buyers who want Hill Country character without sacrificing proximity to Greater Austin. The Wimberley Independent School District is a real draw for families relocating from the metro, and the village's small-town feel along the Blanco River keeps demand steady even as prices climb. Q Mortgage (NMLS #2567464) works exclusively in Texas, so our team understands Hays County financing from the inside out.
How much home can you afford in Wimberley?
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 Wimberley market in context.
Wimberley sits in Hays County, where home prices in and around the village can push well past the conforming loan limit of $806,500 — especially on acreage tracts and riverfront properties. That puts many Wimberley buyers in jumbo territory, though entry-level and in-town properties still fall within conforming and FHA ranges. The FHA single-family limit for Hays County is $709,500, which covers a solid slice of the market but leaves out higher-end Hill Country estates. Buyers here tend to be a mix of Austin commuters, remote workers, retirees, and second-home buyers, each with a different financing profile worth sorting out before you start shopping.
Every loan program we close, available across Greater Austin.
Because Wimberley properties frequently exceed conforming limits, jumbo loans are a common solution and worth understanding before you write an offer. For properties priced within the $806,500 conforming ceiling, conventional financing keeps things straightforward. VA loans — available up to $806,500 in Hays County without a down payment for eligible veterans — are a strong fit for military buyers. FHA loans at the $709,500 county limit serve buyers targeting more affordable in-town neighborhoods in and around Wimberley. USDA Rural Development loans may also apply to eligible properties given the area's rural character, so it's worth a conversation if acreage is part of your plan.
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 moreWimberley mortgage FAQs
What is the conforming loan limit for Wimberley, TX?
Do I need a jumbo loan to buy in Wimberley?
Can I use an FHA loan to buy a home in Wimberley?
Are VA loans available for Wimberley home purchases?
Does Wimberley qualify for USDA Rural Development loans?
Can I refinance a Wimberley property that's on acreage?
Ready to get pre-qualified in Wimberley?
Soft-pull pre-qualification in minutes. No surprises — just a clear number you can shop with.
Other Greater Austin markets we serve.
Get a Wimberley pre-qualification.
Tell us a little about your scenario and we'll respond within one business day with a rate-and-term you can take to any agent in Wimberley.