Austin Texas skyline
Texas' Top Mortgage Lenders Since 1996

Find the Best
Mortgage Rates
in Texas

We compare 100+ lenders to find you the best home loan. In-house underwriting, 1-day pre-approval, and closings in as little as 7 days.

5-Star Avg. Rating
NMLS #1955132
24-Hr Pre-Approval
Start My Pre-Approval Call 512-891-0778

Won't affect your credit score  ·  2-minute application  ·  No obligation

Our Track Record

$7B+

In Funded
Home Loans

10K+

Happy
Homeowners

30

Years Serving
Central Texas

100+

Lenders
Compared

Highest-rated lender in Texas

Consistently ranked in the Top 25 Mortgage Lenders in Central Texas for 20+ years

1 Day
Pre-Approval
7–21
Day Closings
21
States Served
100%
Online Application
Loan Programs

Loan Options for
Every Borrower

Whether you're buying your first home, refinancing, or investing — we have a program designed for your exact situation.

🏠

Conventional Loans

For borrowers with strong credit and stable income. Offers competitive pricing and long-term cost efficiency when structured correctly.

Best credit terms available
Fixed & adjustable rate options
Competitive long-term pricing
Start Pre-Approval →
🔑

FHA Loans

For buyers who need lower down payment requirements and flexible credit guidelines. Ideal for first-time buyers or those rebuilding credit.

Low down payment options
Flexible credit guidelines
Start Pre-Approval →
🎖️

VA Loans

Zero-down options for eligible veterans and active-duty service members. No PMI required.

Learn More →
💼

Non-QM & Bank Statement Loans

For self-employed business owners, freelancers, and contractors with non-traditional income. 1099 income and alternative documentation programs available.

Bank statement programs
1099 income accepted
Alternative documentation
Start Pre-Approval →
🏛️

Jumbo Loans

For high-value properties exceeding conforming loan limits. Competitive rates for luxury and premium homes.

Learn More →
📉

Refinance

Lower your interest rate, adjust loan terms, or remove mortgage insurance.

💰

Cash-Out Refi

Access up to 80% of your home equity while refinancing your existing loan.

Why Austin Capital

A Smarter Way
to Buy a Home

In-House Underwriting

Each file is reviewed by our in-house underwriters before lender options are presented. No outsourced delays — we control your timeline.

One-Day Pre-Approval

Get pre-approved in 24 hours for complete files. Shop with confidence before you find the perfect home in a competitive market.

Access to 100+ Lenders

We shop over 100 lenders to identify the best loan options for your specific scenario — wholesale rates you can't get at a retail bank.

5-Star Client Experience

Our average client rating is 5 stars, thanks to our streamlined online process, transparent communication, and fast closings.

25+ Years of Local Expertise

A team of top loan producers in Texas with deep knowledge of Austin's real estate market, regulations, and lender relationships.

Happy homeowners in Austin Texas
$7B+
In funded home loans since 1996
Recently funded home in Texas
Proof in the Numbers

Recently Funded Homes

From first-time buyers to self-employed borrowers — real loans, real families, real Texas homes.

$750,000

5060 Loma Alta Dr

Frisco, TX 75034

Christopher Aaron

Featured
$720,000

1503 Fox Sparrow Trl

Cedar Park, TX 78613

Nathan Hekman

$806,500

1706 Catchfly Cv

Cedar Park, TX 78613

Nirav Ved

How It Works

Your Path to
Homeownership

01
01

2-Minute Application

Fill out our quick online form — no social security number required, no hard credit pull. Just basic info to get started.

02
02

We Shop 100+ Lenders

Our in-house team reviews your file and compares options across our network of 100+ lenders to find your best fit.

03
03

Get Pre-Approved in 24 Hrs

Receive your pre-approval letter in as little as one business day. Shop for homes with full confidence and buying power.

04
04

Close in 7–21 Days

Our streamlined process and in-house underwriting means you can close faster than the industry average — sometimes in just 7 days.

Our Experts

Meet the Team

A group of top loan producers in Texas with over 25 years of local mortgage industry expertise — dedicated to getting you the best mortgage for your needs.

JW

Jeff Wilkinson

President

NMLS #326203

512-891-0778 loans@austincapitalmortgage.com
CC

Charlie Cooper

Director of Operations

512-891-0778 loans@austincapitalmortgage.com
TO

Tom Oltmann

Loan Originator

NMLS #308768

512-891-0778 loans@austincapitalmortgage.com
AS

Adrienne Sanchez

Loan Originator

NMLS #1213046

512-891-0778 loans@austincapitalmortgage.com
KC

Kari Cooper

Business Development

512-891-0778
GB

Geri Brodlowicz

Processor

512-891-0778
NA

Nikki Anderson

Administrative Assistant

512-891-0778
AG

Ashley Rae Gordon

Processor

512-891-0778
Austin Capital Mortgage team
NMLS #1955132
Licensed & Regulated
About Austin Capital Mortgage

Serving Central Texas
Since 1996

Austin Capital Mortgage is a full-service residential mortgage banking firm based in Austin, Texas. We have been serving the needs of homebuyers and homeowners throughout Central Texas since 1996 — and it shows in the numbers.

We combine ethical lending practices, personalized service, and innovative solutions to redefine what it means to be a mortgage lender. Our in-house underwriting model ensures every file receives expert attention before you commit.

Austin Capital has consistently ranked in the Top 25 Mortgage Lenders in Central Texas for 20+ years.

30+
Years Experience
21
States Licensed
Top 25
TX Lenders 20 Yrs
5★
Average Rating
Get Pre-Approved Today
Common Questions

Frequently Asked
Questions

For complete files, we can issue a pre-approval letter in as little as 24 hours. Our in-house underwriting team reviews every file promptly so you can shop for homes with confidence and a competitive edge.

Our initial 2-minute inquiry form does NOT perform a hard credit pull. You can explore your options and see potential loan amounts without any impact to your credit score. A hard pull only occurs when you submit a full application and give explicit consent.

We specialize in Non-QM programs designed for self-employed individuals, freelancers, and business owners. This includes bank statement loans (12 or 24 months), 1099 income programs, and alternative documentation options — so your tax write-offs won't disqualify you.

As an independent mortgage broker, we have access to wholesale rates from 100+ lenders — rates not available at retail banks. Our in-house underwriters review your file first, then identify the best loan options for your specific profile before presenting them to you.

While we are headquartered in Austin, Texas and specialize in Central Texas real estate, we are licensed to lend in 21 states. Contact us to confirm eligibility in your state. Note: services are not currently available for Washington State residents.

Texas home purchase
Ready to Get Started?

Your Dream Home
Starts Here

Fill out our 2-minute form and see how much home you can afford. A dedicated loan officer will reach out with your best options — no obligation, no hard credit pull.

Start My Pre-Approval Call 512-891-0778
+1 512 891 0778

Mon–Fri, 9am–6:30pm

loans@austincapitalmortgage.com

We reply within hours

6615 Vaught Ranch Rd
Ste 200, Austin, TX 78730 Get Directions →