How To Get A Mortgage In Austin - Texas United Mortgage

How to Get a Mortgage in Austin

Becoming a first time home owner requires a lot of careful research and financial preparation. If you want to get a mortgage in Austin, there are a few things you should know about the area, and about how to get a mortgage, before you apply with a lender.

Check out this guide on how to get a home loan in Austin so you can get a low rates mortgage and the home you always dreamed about.

Living in Austin, Texas

Austin is one of most rapidly expanding cities in the United States.

Each day, 150 people move to Austin, and new businesses are always popping up. In Austin, anything goes except ordinary.

“Keep Austin Weird” has become the city’s official slogan thanks to the resident’s love for out-of-the-box artwork and their love for all things eccentric.

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Reef Merhi

NMLS 878539 | Branch Manager | Sr. Loan Officer

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Scott Foster

NMLS 1591277 Operations Manager | Sr. Loan Officer

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Claudia Seybold

Executive Administrative Assistant | Coordinator

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Claudia Seybold

Executive Administrative Assistant | Coordinator

Claudia, a fifth-generation Texan and resident of The Woodlands since 2004, has been a dedicated professional in the Texas real estate industry since 2001. Throughout her career, she has played a pivotal role in successfully closing a diverse array of transactions, consistently delivering contracts that meet specified agreements and conditions.

Currently, Claudia is with Texas United Mortgage, where she serves as an executive assistant, working closely with Reef and the team to ensure that all deadlines are met and expectations are consistently exceeded. Her responsibilities include managing schedules, coordinating communication, preparing reports, organizing meetings, and handling a variety of administrative tasks essential to the team's smooth operation. Claudia's attention to detail and proactive approach contribute significantly to the team's success. In addition to her role at Texas United Mortgage, Claudia continues to practice as a Texas Realtor, further showcasing her commitment to the real estate industry.

Outside of her professional life, Claudia values time with her husband, Travis, and sons, Ethan and James Roy. She is an active member of Faith Bible Church, where she is passionate about serving the community. In her leisure time, Claudia enjoys RVing with her family, exploring the outdoors, and maintaining an active lifestyle through regular workouts.

Richard Haskell

NML 347730 | Sr. Loan Officer | Manager

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Joy McClellan

Sr. Loan Processor

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Nichole Walker

NMLS 2114509 | Loan Officer

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David Webber

Loan Officer

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Are You a First Time Homebuyer? Here’s How to Get a Mortgage in Austin

Getting a mortgage can seem overwhelming, but by understanding exactly what you need to apply and qualify, you will be able to easily secure financing for your house in Austin.

Your lender will base your eligibility for the mortgage on your income, employment status, and credit score, so it’s important to be financially stable before you apply for a mortgage.

Before you apply for the mortgage, you will need to save up for your first time home buyer down payment. You also need to wipe out your debt or ensure that your debt-to-income ratio is low.

Once you have the financial chops to purchase a home, you can begin to gather the documentation required to apply for a mortgage.

Your lender will ask you to provide proof of your income, assets, employment, down payment, credit history, and identity. Your driver’s license, tax returns, bank statements, and social security number are required to apply for a home loan in Austin.

First Time Home Buyer Credit

Aside from finally purchasing and living in a home you love, the other big perk of buying your first home is the first time home buyer credit.

This tax credit is part of a government program that allows you to earn rebates to cover closing costs and other fees.

How to Get Pre-Approved for an Austin Home Loan

Before you officially apply for a mortgage, getting pre-approved through multiple lenders will help you determine your budget, compare mortgage rates, and make sellers want to work with you.

While getting pre-approved may seem like no big deal, a letter of pre-approval can really go a long way when you are contacting sellers about their homes because it shows you are a serious, qualified buyer.

To get pre-approved, you will need to provide the same information you need to apply for the mortgage. After your lender looks at your finances, they will tell you how much you are approved for.

However, pre-approval is not a guarantee that you will get the loan.

Your Houston Mortgage Lenders

Long Experience

With over 30 years of experience, we’ve seen it all. Through ups and downs, economic crises and last minute loan technicalities, we know how to make home buying in Houston pain free.

Lower costs

We’re all about your bottom line. We work to find the best and lowest rates for you, and tailor the mortgage product to fit your budget. We’re a McKinney mortgage company that cares.

On time closing

Getting the paperwork and mortgage approvals can feel like a headache. We make sure the process go fast and smooth and ensure you’ll close on time.

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