Austin Metro Home Loans

Austin — the Tech-Wealth and Jumbo Market (jumbo & conventional)

Austin's luxury market runs on jumbo financing, and on a lender who understands the money behind it. Downtown high-rises overlooking Lady Bird Lake, The Independent (a 58-story landmark), 70 Rainey, the Four Seasons Residences, command up to $1,500 per square foot, with penthouses past $8M. West of MoPac, the established wealth corridors of Tarrytown (historic estates and teardown-rebuilds past $3M), Rollingwood (bordering the Barton Creek Greenbelt), and Westlake (anchored by nationally ranked Eanes ISD, entry-level at $1.2M+) operate at another level entirely. All of it is jumbo territory above the $832,750 limit.

The common thread is complex income, and that's exactly where I add value. My jumbo network evaluates RSU vesting schedules, exercised options, and portfolio distributions without the friction most banks bring, offers asset-based programs that qualify entrepreneurs on portfolio value rather than W-2 income, and provides interest-only structures (5–10 year) for buyers managing cash flow around equity events. And the jumbo-conforming rate spread has compressed dramatically: well-qualified Austin buyers with 20%+ down and 740+ scores can expect jumbo rates within about 0.25% of conforming, sometimes at parity. Meanwhile, more accessible Austin neighborhoods and condos under the limit finance conventional, and the metro's tech workforce also supports strong DSCR investment activity.

A note on Austin taxes: Travis County and the Austin-area suburbs carry some of the higher combined property-tax rates in Texas (often in the 1.8–2.5%+ range, higher in newer Williamson and Hays County communities with special districts). On Austin's price points, that's a large monthly number, so I model the real all-in payment and make sure you file the homestead exemption.

Leander & Kyle — the Value-and-Growth Suburbs (FHA & conventional)

Leander (Williamson County, northwest) and Kyle (Hays County, south) are the Austin metro's affordability engines, fast-growing, new-construction-heavy, and the realistic entry points for first-time and move-up buyers priced out of central Austin. Both are strong FHA (many homes under the limit) and conventional new-construction markets with builder incentives. Leander's CapMetro rail connection to downtown and Kyle's I-35 corridor access make the commute workable. Because many communities here are newer, the combined tax rate (with any MUD/PID) is worth checking, which I do.