With multiple home loan programs, competitive rates, and a reputation for outstanding communication throughout the process, we are the mortgage lender Austin homebuyers can count on. HomeLander Mortgage is based just outside of Austin, TX in the beautiful Lakeway area. Providing home loans across the state and to all counties including Williamson, Travis, Bastrop, Hays, Caldwell, Comal, Guadalupe, and Bexar. Keep Austin Weird – that is the motto! Land a loan, land a HOME – that’s our motto!
Whether you are looking to purchase an existing home, refinance your current mortgage, build a new house from the ground up, or renovate your home, we’ve got you covered! We will go over your individual needs and situation to determine the right fit for you. We have the following mortgage programs available:
Conventional mortgages – Conforming loan programs that are not insured by the government. Offers more flexibility in terms of property type and characteristics, but loan qualification criteria may be more stringent. Maximum loan is limited to the current conforming county loan limit for your county. A 3% minimum downpayment is required and mortgage insurance is needed if having less than 20% equity at closing. Many people will re-appraise the loan after renovations or payments increase equity, and this can cancel the need for mortgage insurance.
FHA home loans – Government-insured loan program designed to help homebuyers get into a home with a lower down payment requirement and less stringent credit criteria than conventional loan programs. Take advantage of down payments as low as 3.5% and flexible credit score requirements. FHA construction loans and FHA renovation loans are available.
VA home loans – Government-insured loan program available to veterans, active duty service members, or surviving spouses receiving VA compensation with no down payment or mortgage insurance requirement. Save money by not having to pay for costly mortgage insurance. Looking to build a new home? New construction is allowed. Looking to renovate your home, you are in luck!
USDA home loans – Government-insured loan program designed to assist people in designated rural areas that is available with $0 down. Income restrictions may apply and mortgage insurance is required. USDA construction loans and USDA renovation loans are available to those within the designated USDA-eligible areas.
Construction loans – Conventional construction Loans, FHA construction Loans, VA construction Loans, USDA construction Loans – We’ve got it all! ~ Ask us how you can wrap the entire process into a One Time Close loan and not have to make payments during construction.
Jumbo loans – Loans exceeding the current conforming loan limits are considered jumbo loans with additional loan qualification criteria such as a 700 minimum credit score and 10% minimum down payment requirements.
Renovation home loans – Our renovation loan products are perfect for fixer-uppers or older homes that need updating as well as those seeking solar panels and new roofing! Want to add on a room? You can do that too! We have multiple loan options that will suit your needs – Conventional renovation loans, FHA renovation loans, VA renovation loans, and USDA renovation loans.
Refinancing home loans – When you need to refinance your existing mortgage, we’ve got you covered! Whether you are looking to lower the rate, change the loan type or term, or utilize the equity in your home for some cash back at closing, HomeLander Mortgage can do it all. We offer Conventional, FHA, VA, FHA, and USDA refi’s, TX 50(a)(6) Cash Out, Fannie Mae HomeStyle®, Freddie Mac’s CHOICERenovation®, VA Renovation Refinance, FHA 203(k), VA Streamline (IRRL), and FHA Streamline (minimal documentation required).
