Home Loans in Round Rock and the Towns Around It
We help buyers, veterans, investors and owners who want to refinance get a loan set up before the deadline gets close. Meet us at our office or talk by phone or video. You get a clear look at the payment, the cash to close and the next step.
Where We Lend
Our office is in Round Rock, and most of our borrowers live or buy within a short drive. We work with people in Brushy Creek, Wells Branch, Cedar Park, Pflugerville and Hutto every week. A lot of first-time buyers start with a call, a pre-qualification and a rough budget, then shop with real numbers instead of a guess.
We also lend in Georgetown, Leander, Manor, Santa Rita Ranch and Steiner Ranch. You do not need to come in. Most of the work happens by phone and video, and documents can move without a trip across town. If you are buying in one town and selling in another, we can look at a bridge loan or a HELOC early so the timing does not catch you short.
Towns we cover from Round Rock
- Round Rock
- Brushy Creek
- Wells Branch
- Cedar Park
- Pflugerville
- Hutto
- Georgetown
- Leander
- Manor
- Santa Rita Ranch
- Steiner Ranch
Not on the list? Call (512) 955-5203 and ask.
Local Costs That Shape Your Payment
- Property taxes and escrow
- Texas has no state income tax, so property taxes do a lot of work here. They often take up a big share of the monthly payment. We build the tax estimate into your numbers from the start, so the payment you plan for is close to the one you get.
- HOA dues
- Many newer subdivisions around the metro have an HOA with monthly or yearly dues. Those dues count toward your debt-to-income ratio. We ask about them up front, because a few hundred dollars a month can change what you qualify for.
- Insurance and hail
- Central Texas gets hail and hard spring storms. Insurance premiums reflect that, and they go into escrow with your taxes. Properties near creeks or in mapped flood zones may also need flood coverage. Get an insurance quote early so closing is not held up waiting on it.
- Texas rules on tapping equity
- Texas has its own rules for cash-out loans and home equity lines, including a cap on how much of the value you can borrow against and waiting periods before closing. We walk you through them before you apply, so a refinance or HELOC is planned with the right timeline.
- Rural edges and USDA
- Some addresses on the outer edges of the metro may fall inside USDA eligible areas, and the maps change. Give us the address and we will check it before you fall for a place, along with FHA, VA and conventional options.
Start With a Plan, Not a Rush
Tell us where you want to buy or what you want to refinance. We will go over your rate options and what it takes to qualify, then set up your loan application by phone.