Austin, TX
The right loan for the Austin home you're after.
From East Austin across Austin, higher price points meet financing built for them — high-balance, jumbo, move-up — matched to your Austin file.
Inside the Austin mortgage market.
Austin corrected from its 2021-22 peak and now gives buyers more room while staying well above the Texas norm; tech employment from Dell, Apple, and Tesla underpins long-term demand in central neighborhoods.
The loan has to fit the Austin picture. A one-unit Austin purchase conforms to $832,750 in 2026 — the national baseline Travis County runs on. With Austin homes mostly under $832,750, conventional plus FHA plus first-time-buyer all work on Austin files. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
From East Austin over to South Congress, Austin’s 885,000-plus residents sit within minutes of Cedar Park and San Marcos. Austin detail matters to us — the Texas State Capitol and Lady Bird Lake and the streets that feed it included. East Austin, Hyde Park, Mueller, and South Congress — we finance homes in each of them, and everywhere else Austin reaches. “Mortgage broker near me” in Austin usually means the closest office — we skip the office and bring Austin-level help by phone and online instead. Austin is one of 83 Texas markets we cover, and every Texas file gets the same treatment: real Austin numbers first, then lenders competing on them.
How Austin buyers come out ahead.
Local Austin insight
East Austin, Hyde Park, Mueller, the streets around the Texas State Capitol and Lady Bird Lake — we read Austin's price points like locals, because that's how we work it.
Move-up & jumbo ready
Financing an Austin home means respecting Austin prices above the national norm — so we lead with jumbo for central, FHA in suburbs, conventional.
Many lenders, one file
One Austin application, many lenders competing on it — that's what an Austin buyer hires a broker for.
Direct to the owner
Owner Esther Buede guides your Austin loan personally — the named expert Austin clients would find praised across our Google reviews.
Austin files get the owner. Every time.
Your Austin loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644), closing since 2005. One person, your whole Austin loan — from Hyde Park across the Austin map. Meet the family behind CHM →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Austin financing that fits the home and the borrower.
Austin’s pull — think the Texas State Capitol and Lady Bird Lake — keeps jumbo for central work coming. The Austin playbook usually starts with jumbo for central, FHA in suburbs, conventional, arranged through licensed partner brokers — then we shop whatever your Austin file calls for: non-QM, conventional, VA, and FHA. Start where it suits you: buying, refinancing, or testing the numbers — apply online or call (949) 522-7310.
Close to Austin, we also help buyers in Cedar Park, San Marcos, Pflugerville. More Texas cities we work in →
Choice Home Mortgage (California-licensed, NMLS #2629064) serves Austin, TX buyers through licensed partner brokers. Equal Housing Opportunity. Austin is served remotely — we keep no office there.
Asked by Austin buyers, answered here.
How much can Austin buyers borrow and stay conforming?
$832,750 is the 2026 line for Austin: at or under it, an Austin loan stays conforming; over it, jumbo rules take the file. Per FHFA — we'll confirm yours.
How do Austin buyers finance above the conforming limit?
Many Austin deals do cross into jumbo territory. The move on an Austin purchase is knowing where it sits against the limit — then shopping lenders built for that range.
Which Austin neighborhoods do you serve?
We work Austin citywide — East Austin, Hyde Park, Mueller, South Congress included. Where in Austin you buy doesn't change how hard we shop.
Do you work with Austin, TX buyers?
Your Austin, TX loan is arranged through licensed partner brokers, with Choice Home Mortgage (California NMLS #2629064) coordinating the Austin file and the lender shopping end to end.
Do you cover the towns around Austin?
Cedar Park, San Marcos, Pflugerville — all covered alongside Austin, each with its own limit details worked in.
How do we work together on an Austin purchase?
From Austin it's phone-and-online end to end — apply digitally, upload documents, get updates as they happen. Licensed partner brokers cover the TX licensing side; you never sit in a lobby.
Let's get you home in Austin.
No call center — just Esther. We'll find what fits your Austin purchase and do the Austin lender legwork.