Financing Options
Home Financing Options for Buyers in Central Texas
See your real options, understand your numbers, and move forward without second-guessing.
If you’re buying a home in Central Texas, financing doesn’t have to be confusing.
You’ll see clear loan options, realistic payments, and honest guidance before you make an offer.
- Buy a Home
- Get Pre-Approved
- Schedule a Buyer Consultation
100+
5/5 base on reviews
See Which Loan Actually Works for You
Compare real mortgage options so you don’t overpay or choose the wrong program.
You don’t need to “figure it out later.”
You’ll know upfront:
What you qualify for
How much you’ll need out of pocket
What your monthly payment could look like
So you can shop for a home with confidence—not guesses.
Compare Loan Options
Choose the Loan That Fits Your Life
Not the one that just sounds good online.
Conventional Loans
Best if you want lower long-term costs—so you keep more money over time.
Down payments from 3–20%
No upfront mortgage insurance
More flexibility on property types
FHA Loans
Designed to make homeownership more accessible
As little as 3.5% down
Credit scores starting around 580
Mortgage insurance required
A common choice for first-time buyers
VA Loans
Exclusive benefits for qualifying service members
0% down payment
No private mortgage insurance (PMI)
Competitive interest rates
Flexible qualification guidelines
Not Just a Loan A Smart Starting Point
Financing Built Around Your Goals
Buying Your First Home
Low down payment options like FHA and VA loans can help you get started sooner without draining your savings.
VA Buyer Advantages
Eligible veterans, active-duty members, and spouses can access zero-down financing with fewer monthly costs.
Maximizing Long-Term Savings
Buyers with higher credit scores and larger down payments may benefit from conventional loans with lower rates and more flexibility.
Not Just a Loan A Smart Starting Point
How We Help You Move Forward
Explore Your Loan Options
Compare FHA, VA, and conventional programsexplained in plain language.
Understand Your Eligibility
See how your credit, income, and goals affect your buying power.
Get Prequalified with Confidence
Work with a local expert who explains your numbers and next steps clearly no pressure, no surprises.
Get Clarity Before You Commit
Let’s Find the Right Loan for You
Whether you’re buying your first home or your next one, the right financing makes everything easier—from your offer to your closing day.
- Buy a Home
- Get Pre-Approved
- Schedule a Buyer Consultation
100+
5/5 base on reviews
Got Questions?
Frequently Asked Questions
Find answers to common home loan questions for first-time and repeat buyers.
How much do I need for a down payment?
Some programs offer down payments as low as 0–3.5%. Conventional loans typically range from 3–20%, depending on your credit and loan structure.
What credit score do I need to qualify?
Credit score requirements vary by loan type. FHA loans are generally more flexible, while conventional loans reward stronger credit with better rates.
Can I buy with little or no money down?
Yes. VA loans offer zero down for eligible buyers, and FHA loans allow low down payments.
What are closing costs?
Closing costs usually include lender fees, title costs, and prepaid items. We’ll help you estimate these upfront so there are no surprises.
How do I get prequalified?
Prequalification starts with a short conversation about your income, credit, and goals. From there, we’ll outline realistic options for you.