TDHCA's program for first-time buyers and qualified veterans, with assistance of up to 5% of the loan when funds are available.
See how it works
Austin · Westlake · Lake Travis · Hill Country
Your home deserves a better mortgage experience.
Personal, unhurried mortgage guidance from downtown Austin to the Hill Country. Grant explains your options clearly and stays with you from your first question to the closing table.
Explore
Every part of the Hills finances a little differently.
Choose an area to see what to think about before you make an offer.
Westlake
Hills and views near downtown
Hillside homes, Eanes ISD schools and a short drive to downtown Austin.
About $2.1M to $2.5MRecent brokerage estimates for Westlake Hills, which vary by source and date.
Financing notes- Many purchases here will need a jumbo loan.
- Custom homes and hillside lots can have fewer comparable sales, which can make appraisal more involved.
- Look at the full tax bill early, since it can be a large part of the monthly cost.
Barton Creek
Gated, green and limestone
Golf, greenbelt and Hill Country terrain on the southwest side of Austin.
Varies by sectionFrom condos and villas to large estates, so ask about the specific home.
Financing notes- HOA fees and any club dues can count toward your monthly obligations.
- Unique custom homes may need extra appraisal work, so build that into your timeline.
- If your income is complex, line up the right loan before you make an offer.
Lake Travis
Life on the water
Waterfront homes, marinas and long views from Lakeway to Spicewood.
About $3.5MOne agent report's early 2026 median for waterfront sales of $2M or more. Many nearby homes cost far less.
Financing notes- Check flood zones and insurance costs before you commit.
- Ask about dock permits and condition, since a dock can affect both value and insurance.
- A second home or rental can be underwritten differently than a primary home.
Hill Country
Room to breathe
Land, oak trees and open sky around Dripping Springs, Bee Cave and beyond.
Wide rangePrices depend heavily on the land, water and improvements.
Financing notes- Well and septic systems often need inspections.
- Some loan programs limit acreage or how the land can be used.
- New builds and barndominiums can need a different loan approach, so ask early.
Quick check
Will your loan be jumbo?
Move the sliders. Above the conforming limit, loans usually follow different rules and are shopped with specialist lenders.
Compares your estimated loan with the 2026 one-unit baseline conforming limit of $832,750. Confirm your county and the current year's limit. This isn't a loan offer or approval.
Your situation
Which sounds most like you?
Strong finances don't always look simple on paper. Pick one to see a loan type worth asking about.
Bank statement loans
Built for business owners whose tax returns don't show the full picture. Income can be reviewed using 12 to 24 months of deposits.
Talk it through with GrantPrograms are offered through Swisher Capital, PLLC and subject to credit, property and underwriting approval.
You choose the home. Grant does the rest.
Buying a home should feel exciting. Here's how Grant takes the weight off.
You do
Grant does
Ask "can we afford this?"
Does the math with your real income, debts and Austin property taxes, then gives you a straight answer.
Send your documents
Tells you exactly what's needed, and why, so you only gather things once.
Wonder which lender fits
Works through an independent mortgage brokerage, so he can compare options across wholesale lenders.
Find the house
Gets your pre-approval ready so your agent can make an offer when the right one shows up.
Ask about down payment help
Checks the Texas and Austin programs against your household and the home you want.
Wonder what's happening
Keeps you updated from application to closing, so you never have to guess where things stand.
Show up and sign
Walks through your final numbers with you before closing day.
From first question to front door
Seven clear steps, so you always know what comes next.
- 1
Talk it through
A real conversation about your goals, your timeline and what you're worried about.
- 2
Get your numbers
Your price range and full monthly cost, including taxes and insurance.
- 3
Get pre-approved
Grant reviews your credit, income and assets so sellers can take your offer seriously.
- 4
Shop with your agent
Grant can rerun numbers on a specific house while you're deciding.
- 5
Go under contract
You apply, receive your Loan Estimate and compare the details together.
- 6
Processing and underwriting
Appraisal, title and final document requests. Grant keeps it moving and keeps you posted.
- 7
Close and get your keys
Review your Closing Disclosure, sign, and receive your keys.
What would an Austin home really cost per month?
Property taxes change the answer a lot here. This estimator puts them right in the total, starting with a home near the Austin-area median.
Starts near the 2026 Austin-area median of about $430,000.
Try a rate scenario
Estimated monthly cost
- Principal and interest
- Mortgage insurance (rough)
- Property tax
- Homeowners insurance
- HOA
For education only. This is not a rate quote, loan offer or commitment to lend. Rate buttons are hypothetical scenarios and are not rates available from Grant or his company. The estimate assumes 360 monthly payments on a fixed-rate loan, adds rough mortgage insurance of 0.6% of the loan per year below 20% down, and uses editable tax and insurance figures. Your rate, APR, costs and approval depend on your credit, loan and property.
Texas has help for your down payment
Most of these programs have income and price limits. A short conversation can tell you which ones fit.
TSAHC's program for low and moderate income households. Some repeat buyers can qualify too.
See how it worksA 0% city loan for income-qualified buyers purchasing inside Austin's Full Purpose city limits.
See how it works
A personal advisor, from start to finish.
Grant recently earned his Texas mortgage loan originator license. He lives in Austin and he's building this business one family at a time, starting with the first one.
That means you won't get handed off to a call center. When you call, you reach Grant. When you have a question that feels too basic, ask it anyway.
You can verify Grant's license on NMLS Consumer Access using NMLS ID 2849522.
Wherever home is, start with a conversation.
Have a question, even a small one? Call or email Grant. No credit check to start the conversation.
Questions buyers ask
When do I need a jumbo loan?
Generally when your loan amount is above the conforming limit for your county. The 2026 baseline for a one-unit home is $832,750. Your price and how much cash you put in both affect it, so try the quick check above or ask Grant.
Can I qualify if most of my income comes from my business or investments?
Possibly. Bank statement and asset depletion loans are designed for situations like these. The right fit depends on your full financial picture and the property.
How much do I need to buy a home in Austin?
It depends on the price, the loan type and any assistance you qualify for. Budget for the down payment, closing costs and a cash cushion. Some loan programs are built for smaller down payments, and Texas assistance programs can help eligible buyers. Grant can run your real numbers in one conversation.
What credit score do I need?
Requirements vary by loan and lender. The state's My First Texas Home program lists a 620 minimum, and TSAHC's Home Sweet Texas lists 620 for government loans and 640 for conventional. If you're below that, Grant can tell you what would help most.
Should I talk to a loan officer or a real estate agent first?
Talking to a loan officer early helps because you'll know your price range before you fall in love with a house. Pre-approval also gives your agent something to work with when you make an offer.
Does the form on this site check my credit?
No. The form asks a few questions so Grant can prepare for your conversation. Your credit is only pulled later, with your permission.
Am I a first-time buyer if I owned a home years ago?
Possibly. Many programs count you as a first-time buyer if you haven't owned your primary home in the past three years. Rules vary, so check the specific program.
Why does an Austin monthly payment feel so high?
Texas has no state income tax, and local property taxes do a lot of the work instead. They vary by county, school district and special districts such as MUDs, so two similar homes can have noticeably different payments.