Home Loans in Austin
Austin's tech-driven growth keeps its housing market dynamic. Star Financial helps Austin buyers compete and homeowners tap equity.
Austin market snapshot
- Strong appreciation and tech-sector demand.
- Higher price points support jumbo financing.
- Competitive market rewards fast pre-approvals.
Homebuyer information
- Conventional and jumbo options for Austin buyers.
- FHA for first-time buyers in reach of assistance.
- HELOC and cash-out for equity-rich homeowners.
Financing options for Austin buyers & homeowners
FHA Loans
Low down payment, flexible credit — great for first-time buyers.
Conventional Loans
Competitive pricing for borrowers with stronger credit profiles.
VA Loans
$0 down financing for eligible veterans and active-duty service members.
Jumbo Loans
Financing above conforming limits for higher-priced homes.
DSCR Investor Loans
Qualify rental properties on cash flow — no personal income docs.
Bank Statement Loans
For self-employed borrowers who qualify on deposits, not tax returns.
HELOC & Cash-Out
Tap your equity for renovations, debt consolidation, or investments.
Down Payment Assistance
Programs that may help cover down payment and closing costs.
Austin home loan FAQs
What credit score do I need for a home loan in Austin?
Many Austin buyers qualify with a 580+ score on FHA programs, while conventional loans typically reward 620+ with better pricing. Star Financial reviews your full profile, not just the score.
How much down payment is required in Austin?
Down payments can be as low as 3.5% on FHA and 3% on some conventional programs. VA-eligible borrowers may qualify for $0 down. Down payment assistance may also be available.
How long does mortgage approval take in Austin?
As a direct lender with in-house underwriting and funding, Star Financial can often issue pre-approvals quickly and close many loans in a few weeks, depending on your scenario.
Can I qualify in Austin if I'm self-employed?
Yes. We offer bank statement, 1099, and profit-and-loss programs designed for self-employed borrowers who may not show full income on tax returns.
Is Star Financial licensed to lend in Austin?
Yes. Star Financial (NMLS #1429) is licensed to originate mortgages in Austin and across CA, TX, FL, CO, AZ, and ID.
Star Financial (NMLS #1429) is a licensed direct mortgage lender serving Austin, TX and the surrounding Texas area.
Get pre-approved in Austin
Connect with a licensed Star Financial loan officer for a fast, no-obligation review.
Licensed in CA, TX, FL, CO, AZ & ID · NMLS #1429