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Now Lending in Austin

Austin home loans —
the Live Music Capital.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Austin and Travis County. From bungalows in Tarrytown to hillside homes near the lake, we bring local guidance to the Texas Hill Country's capital — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Get Pre-Approved Call (561) 299-5825
Travis County
Austin Metro Coverage
14 days*
Close In As Little As
$832,750
2026 Travis County Conforming Limit
5.0 ★
Google Review Rating
Austin Markets

Local lending across
every Austin neighborhood.

Austin Neighborhoods

Central walkable districts, lakeside hills, and fast-growing east-side communities.

  • Downtown & Tarrytown
  • Zilker & Barton Hills
  • Mueller & Hyde Park
  • East Austin & South Congress
Tech-Boom Market

One of the fastest-growing tech and relocation markets in the country.

  • Relocation & first-time programs
  • Jumbo financing for hillside luxury
  • Travis County coverage
  • Minutes to Downtown & the lake
Every Kind of Austin Buyer

From first homes to move-up, luxury, and investor purchases.

  • First-time & move-up buyers
  • New construction & condos
  • Jumbo financing for Westlake-area luxury
  • Investment & rental properties (DSCR)
DowntownTarrytownZilkerBarton HillsMuellerHyde ParkEast AustinSouth CongressClarksville
Loan Programs in Austin

Financing for every
kind of Austin buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time Austin homebuyers.

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VA Loans

0% down for Austin's veterans and active-duty service members. No monthly mortgage insurance.

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Conventional Loans

Fixed and ARM options within the local $832,750 conforming limit for strong-credit borrowers.

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Jumbo Loans

High-balance financing for Austin's luxury and higher-priced markets above conforming limits.

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DSCR Loans

Qualify on rental income to scale your Austin investment-property portfolio.

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Non-QM Loans

Bank statement and alternative-doc programs for Austin's self-employed borrowers.

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FAQ

Austin mortgage
questions answered.

We serve homebuyers and homeowners throughout Austin and Travis County, including Downtown, Tarrytown, Zilker, Mueller, and East Austin, plus the wider Hill Country metro.
The 2026 conforming loan limit is $832,750 in Travis County, including Austin. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's luxury and higher-priced homes.
Austin borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your Austin home journey?

Get pre-approved today — no cost, no obligation. Austin borrowers, let's get you to the closing table.

Start My Application Call (561) 299-5825