The programs we offer, with straight answers for buyers in Hays County.
Not sure which loan fits? Most buyers start with a first-time home buyer, FHA, or conventional loan, then run the numbers with the affordability calculator and see which Hays County community fits your budget.
Buying your first home shouldn't feel like a test you never studied for. I've walked first-time buyers through every step since 2003 — and I'll walk you through yours, from first question to closing table.
Solid credit, 3% to 20% down, and a loan officer who's closed conventional files through every rate cycle since 2003. No drama — just a well-run loan.
Lower down payments, more forgiving credit guidelines, and a loan officer who's worked government-backed lending since 2003 — including the VA loans I used myself.
I served in the 82nd Airborne Division. The VA loan isn't a product line to me — it's the benefit you earned, handled by someone who understands exactly what it cost you to earn it.
Much of the country living outside Austin's core — toward Wimberley, Dripping Springs' edges, and deeper into the Hill Country — sits in USDA-eligible territory most city lenders never check. I live in it.
Your accountant's job is to shrink your taxable income. A big bank punishes you for that. I qualify you on your real cash flow — bank statements, 1099s, or assets — the way it should work for business owners.
If the rent covers the payment, the deal can qualify — no tax returns, no employment verification, no explaining your eleven LLCs to a confused bank teller.
I help doctors across Hays County and the Austin medical corridor buy with little or no money down — even with student loans on the books and a signed contract instead of pay stubs.
HOA litigation, investor concentration, brand-new project — whatever made your condo non-warrantable, it's a building problem, not a you problem. I finance the condos most loan officers won't touch.
You locked your rate years ago and you've guarded it ever since. But if you're carrying credit card debt at 25%, you might be protecting the wrong number. I run the blended-rate math so you know — with certainty — whether a refinance actually helps.
Lakeway waterfront, Boerne acreage, The Woodlands executive streets — when the loan is bigger than Fannie and Freddie will touch, structure matters more than ever. I've built complex files for 23 years.
Finance the purchase and the improvements in one loan — based on what the home will be worth after the work, not what it looks like today. As a guy who spends weekends on his own projects, this is my kind of loan.
One loan that pays your builder in stages, then converts to a regular mortgage when the house is done. I live in Dripping Springs — custom builds are my home market, and I'll make the financing the boring part.
Your payment starts two percentage points below your note rate, steps up one point in year two, and settles at the full rate in year three — usually funded by the seller. I'll show you when it beats a price cut, and when it doesn't.
You kept your low first-mortgage rate for a reason. A HELOC or home equity loan lets homeowners in Hays County and across Texas access their equity while leaving that first mortgage exactly where it is.
No pressure, no jargon, no myths — just an honest explanation of how a reverse mortgage works, what it costs, and whether it fits your retirement, from a strategist who serves Hays County and the Texas Hill Country.
Texas has state and local programs built to help eligible buyers cover down payment and closing costs. I help buyers in Hays County and across Texas find out what they may qualify for — before they assume they can't buy.
Retired or wealthy on paper but light on W-2 income? Asset-depletion lending lets eligible borrowers in Hays County and across Texas qualify from savings and investments instead of a paycheck.
No U.S. credit history? Not a citizen? For eligible international buyers, foreign national loan programs make Texas real estate ownership possible — and I'll walk you through exactly how, in Hays County and across the state.
If you work, pay taxes, and file with an ITIN, homeownership may be within reach. I help ITIN borrowers in Hays County, Houston, and across Texas get straight answers — and taken seriously.
Compare scenarios with our mortgage calculators, or see local programs and loan limits for your Hays County town.