Austin's Independent Mortgage Broker — NMLS #1843758

More Lenders.
Better Rates.
Your Texas Home.

Texas Mortgage Consultants shops multiple lenders on your behalf so you get the best rate and terms available — without the overhead costs banks pass on to you.

Apply Now Speak to Russell

NMLS Licensed

Since 2002

All of Texas

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20+

Years Experience

100s

Families Helped

2002

Founded

Loan Programs

1×

Application Only

Statewide Coverage

Why Trust Us

Built on Integrity.
Driven by Results.

Licensed & NMLS Registered

Texas Mortgage Consultants, PLLC operates under NMLS #1843758, meeting all state and federal licensing requirements for residential mortgage lending in Texas.

In the Industry Since 2002

Russell Stout has been originating Texas home loans for over two decades — bringing real experience through every type of market cycle and lending environment.

Access to Multiple Lenders

Unlike bank loan officers limited to one lender's products, Russell shops your loan across a network of lenders to secure the most competitive rate and terms available.

Statewide Texas Coverage

From the Hill Country to the Gulf Coast, we serve homebuyers and homeowners across all of Texas — not just the Austin metro.

Client Education First

We believe informed clients make better decisions. Texas Mortgage Consultants is committed to answering every question and explaining every step of the loan process clearly.

One Application Does It All

Apply once and let us handle the lender shopping. You get multiple competitive offers without the time and hassle of filing separate applications.

Loan Programs

The Right Loan
for Every Situation

We offer Conventional, FHA, VA, and USDA home loans plus refinancing — matched to your financial profile and homeownership goals across Texas.

Get Matched to a Loan

Conventional Loans

Flexible financing for borrowers with strong credit profiles — often the most cost-effective path for qualified buyers who want competitive rates without government program restrictions.

FHA Home Loans

Backed by the Federal Housing Administration, FHA loans offer lower down payment options and more flexible qualification standards — a popular choice for first-time buyers.

VA Home Loans

Exclusively for eligible veterans, active-duty service members, and surviving spouses. No down payment requirements and no private mortgage insurance — outstanding terms.

USDA Home Loans

For buyers purchasing in eligible rural and suburban areas of Texas, USDA loans offer competitive rates and low-to-no down payment financing options.

Mortgage Refinancing

Lower your monthly payment, tap into equity, or shorten your loan term. Russell evaluates your refinance options across multiple lenders to find the best deal.

First-Time Homebuyer Program

Our comprehensive guide and hands-on coaching takes the intimidation out of buying your first home. We've helped hundreds of Texas families reach closing day.

Why Choose Us

The Broker Advantage

Working with an independent mortgage broker puts the power of the market in your hands — not a bank's balance sheet.

Shop Multiple Lenders with One Application

We submit your application to multiple lenders at once — saving you time and putting competing offers in your favor.

Lower Costs Than Traditional Banks

Mortgage brokers operate leaner than big banks, and we pass those savings directly to you in better rates and fewer unnecessary fees.

Expert Guidance at Every Step

From initial application to closing day, Russell walks you through each milestone so you always know exactly where you stand.

Serving All of Texas

Whether you're in Austin, Dallas, Houston, San Antonio, El Paso, or anywhere across the Lone Star State, we're ready to help you close.

Loan Programs for Every Situation

Conventional, FHA, VA, and USDA — we match you with the right program for your financial profile and homeownership goals.

Real Estate Power Couple

With Russell's mortgage expertise and Melissa's real estate knowledge, you gain a connected team that understands both sides of the transaction.

Russell Stout — Texas Mortgage Consultants

20+

Years in Texas Mortgage

🤘

Meet Russell Stout

Austin's Trusted
Mortgage Expert

Russell Stout has been one of Austin's most respected mortgage brokers since 2002. A University of Texas graduate and proud Longhorn, he's held virtually every leadership role in the industry: Branch Manager, Sales Manager, Director of Sales, VP of Operations, and founder of his own mortgage company.

Texas Mortgage Consultants was built on the belief that clients deserve a trusted resource who educates them, answers every question honestly, and stays by their side from first application to closing day.

Russell lives in Austin with his wife Melissa, a licensed Austin real estate agent. Together, they bring a uniquely connected perspective to helping clients navigate both home-buying and home-financing — giving you an expert team on both sides of the transaction.

UT Austin Graduate

Hook 'Em Horns

NMLS #1843758

Licensed Broker

Call Russell Email Us

How It Works

From First Call
to Closing Day

Talk to Russell

Call 512-423-4663 or fill out the online application. Russell personally reviews your situation and answers your questions before anything else happens.

Apply Once

Submit a single application and let us handle the legwork. No need to fill out paperwork across multiple lenders — we do the shopping for you.

Compare Options

We present the best rate and term combinations from our lender network, walking you through each so you can make a fully informed decision.

Close with Confidence

With your loan selected and lender secured, Texas Mortgage Consultants guides you through every remaining step straight to closing day.

Start the Process Today

Common Questions

Everything You
Need to Know

A mortgage broker like Texas Mortgage Consultants works with multiple lenders, shopping the market on your behalf to find the best rate and terms. A bank or mortgage banker can only offer their own products. Because brokers operate with less overhead than big banks, clients typically benefit from lower costs — and you only have to apply once.

We offer Conventional, FHA, VA, and USDA home loans, as well as mortgage refinancing. Russell will help you identify which program best fits your financial profile and homeownership goals.

Yes. Texas Mortgage Consultants serves clients throughout the entire state of Texas, including Dallas, Fort Worth, Houston, San Antonio, Corpus Christi, El Paso, and all points in between.

Start with our First-Time Homebuyer Guide or give us a call. We've helped hundreds of first-time buyers across Texas navigate the process, and Russell will walk you through exactly what to expect before you commit to anything.

Absolutely. VA home loans are one of our core specialties. If you're an eligible veteran, active-duty service member, or surviving spouse, we'll help you take full advantage of the outstanding benefits the VA loan program offers.

Banks can only offer you their own loan products at their own rates. A mortgage broker shops your loan across multiple lenders, which means more competition for your business and better potential terms. You also deal with one point of contact — Russell — throughout the entire process.

Texas Mortgage Consultants, PLLC is registered with the Nationwide Mortgage Licensing System under NMLS #1843758.

You can call Russell directly at 512-423-4663, apply online through our website, or send a message through our contact form. There's no obligation — just a straightforward conversation about your options.

Ready to Get Started?

Your Texas Home
is Within Reach.

One call. One application. Multiple lenders competing for your business. Let Russell Stout put his 20+ years of expertise to work for you.

Call 512-423-4663 Email Russell

Call Us

(512) 423-4663

info@texasmortgageconsultants.com

Find Us

8805 Lemens Spice Trail
Austin, TX 78750

Get Directions →

Texas Mortgage Consultants, PLLC | NMLS #1843758 | Equal Housing Opportunity

More Lenders. Better Rates. Your Texas Home.

Built on Integrity.Driven by Results.