Home Loans in Pflugerville, With Follow-Up Once You Close
We help people in Pflugerville, Round Rock and Hutto find the home loan that fits. Buyers can choose conventional, FHA, VA or USDA loans. Owners can tap equity with a HELOC. Self-employed borrowers and investors can use bank statement, bridge and hard money loans. Once you close, we stay in touch.
- NMLS licensed for 10 years
- Meet in person or by video
- 11 years in the mortgage industry
- We call once you close
Why Borrowers Pick Us
A mortgage runs for years, not one afternoon at the title company. We treat it that way, starting with the first call.
- Experience you can lean on
- We have been NMLS licensed for 10 years, and our loan officer brings 11 years in the mortgage industry. That time pays off early. We catch a gap in pay stubs or an unexplained deposit before underwriting raises it.
- We check back once you close
- A few weeks past closing, we call. We go over your first payment, your escrow account and the letters your servicer may send. Down the road, we flag it if a refinance or dropping mortgage insurance looks worth a look.
- Straight talk on which loan fits
- We show you the two or three programs you could use and what each one costs over the life of the loan. If a smaller payment now means paying more later, we tell you.
- Every fee explained
- The Loan Estimate is a dense document. We walk through it with you line by line, so the numbers on closing day match what you planned for.
- Office, phone or video
- Come by our office, or do the whole loan by phone and video. Many borrowers first meet us face to face at the closing table.
Loans to Buy, Borrow Against Equity or Invest
Most people who call us want to buy a place to live, and conventional loans and FHA loans cover a lot of them. VA loans serve veterans, active-duty members and some surviving spouses, while USDA loans help with qualifying properties in rural and edge-of-town areas. If you already own, a HELOC lets you draw on the equity you have built. Self-employed borrowers and investors can also look at bank statement loans, bridge loans and hard money loans.
Conventional Loans
A standard home loan for borrowers with steady income and fair credit, with mortgage insurance you can drop later and a call from us once you close.
FHA Loans
Lower down payment and more room on credit, with a loan officer who checks back once you close to explain mortgage insurance and your options.
VA Loans
VA home loans for veterans, service members and eligible surviving spouses, from the Certificate of Eligibility to closing and the check-ins that follow.
USDA Loans
A zero-down home loan for moderate-income buyers in eligible areas. We confirm the address and your income before you start shopping.
HELOC
A line of credit backed by the equity you already have, with plain terms up front and a check-in from us once you start drawing on it.
Hard Money Loans
Short-term investor financing based on the property and your exit plan, with draw help during the rehab and check-ins until payoff.
Bank Statement Loans
Qualify for a mortgage on 12 or 24 months of bank deposits instead of tax returns, built for self-employed borrowers and 1099 earners.
Bridge Loans
Short-term financing that uses equity in the property you own now, so you can buy the next one without waiting on your sale to close.
A Lender Who Still Picks Up the Phone
Home Loans Pflugerville is a small mortgage shop. We sit down with first-time buyers, move-up buyers, veterans, self-employed borrowers and investors, and with owners who want to refinance or borrow against their equity.
The follow-up calls started because borrowers kept telling us the same story. They closed, the lender went quiet, and then the escrow shifted, a servicer letter showed up, or they wondered about dropping mortgage insurance. Nobody was around to ask. We want to be the ones who answer. Our About page has more.
- License
- NMLS licensed for 10 years
- In business
- 11 years in the mortgage industry
What Sets Your Rate and Fees
Every loan is priced on its own. The program, the property and your finances all play a part. These are the pieces that matter most.
We give you rate quotes and a written Loan Estimate built on your real numbers, not a generic figure. Ask us about any line that is unclear.
- Credit history
- Stronger scores usually get better pricing. If you sit just under a pricing tier, we may suggest a small step first, like paying down a card balance before we lock.
- Down payment and equity
- Putting more money down lowers the lender's risk and can lower your rate. On a conventional loan, less than 20 percent down usually means mortgage insurance until your equity grows.
- Loan program
- Conventional, FHA, VA and USDA loans don't charge the same upfront costs, and their mortgage insurance or funding fee works differently. Loans made for harder cases, like bank statement, bridge and hard money loans, usually carry a higher rate to match the added risk.
- Property type and use
- A primary residence is priced differently than a rental or a flip. Condos and two- to four-unit buildings can bring extra requirements.
- Taxes and insurance
- Texas skips a state income tax, but property taxes run high. Taxes and hazard insurance usually go into your monthly payment through escrow, so we count both from day one.
- Rate lock timing
- Rates change daily. When you lock and for how long both affect your rate. We talk that choice through with you before a closing date is set.
Where We Lend
Our office is in Pflugerville, and we lend throughout the area around it. Borrowers come to us from Wells Branch, Round Rock, Hutto, Manor and Brushy Creek, and from Cedar Park, Leander, Georgetown, Taylor and Elgin. Parts of the outlying areas may have properties eligible for USDA loans.
- Pflugerville
- Wells Branch
- Round Rock
- Hutto
- Manor
- Brushy Creek
- Cedar Park
- Taylor
- Georgetown
- Leander
- Elgin
Most of the loan can be done over the phone or on a video call, so a longer drive is seldom an issue. Our Service Areas page lists more.
Common Questions About Home Loans
- How much do I need for a down payment?
- It depends on the program. VA and USDA loans can mean no down payment for borrowers who qualify. FHA loans allow a low down payment, and some conventional loans do too. We lay the options out side by side on your first call.
- What is the difference between pre-qualification and pre-approval?
- A pre-qualification comes from the numbers you share on the phone: your pay, what you owe each month and the cash you have set aside. A pre-approval follows once we check your paperwork and run your credit. Sellers give a pre-approval more weight, so we usually move from one to the other quickly.
- I'm self-employed. Can I still qualify?
- Often, yes. When your tax returns show steady income, a conventional or FHA loan can work. When business write-offs shrink your income on paper, a bank statement loan looks at your deposits instead. We can weigh both on the first call.
- What should I have ready before I call?
- A rough idea of your monthly income, your main debts and your savings is enough to start. For pre-approval we will ask for recent pay stubs, two years of tax returns and bank statements, or business records if you work for yourself.
- How long does it take to close?
- A typical purchase takes around 30 days from contract to closing. The appraisal, underwriting questions and title work can push that either way. We keep you posted at each step so nothing catches you off guard.
- Can I borrow against my equity in Texas?
- Yes, but Texas has its own rules for equity loans, including a cap on how much of the property's value you can borrow against. We explain how those rules apply to you before you decide on a HELOC.
- What happens once my loan closes?
- Your loan may move to a servicing company, so a letter could arrive with a new place to send payments. We check that your first payment lands, explain your escrow account, and stay a phone call away when questions come up later.
- Will you tell me if a refinance makes sense later?
- Yes. We keep an eye on rates and your equity, and we let you know when a refinance or removing mortgage insurance could lower your costs. We will also tell you plainly when it would not be worth the closing costs.
How Your Loan Moves From Call to Closing
Many purchases take about a month from contract to closing, but every file runs a little different. This is the usual order.
- 1
The first call
We ask about your pay, monthly debts, savings and what you hope to spend. By the end, you have a working estimate of what you may qualify for and which programs make sense.
- 2
Paperwork and pre-approval
You send pay stubs, tax returns, bank statements or business records, depending on the program. We review them, pull credit and issue a pre-approval letter you can hand to sellers and agents.
- 3
Contract, appraisal and underwriting
When you are under contract, we take your full application and order the appraisal. If underwriting asks for a letter or another statement, we explain what they need and why.
- 4
Closing day
We go over your Closing Disclosure with you ahead of time. At the title company you sign, the funds move and you get the keys.
- 5
Follow-up once you close
We check in when your first payment posts. Each year when value notices go out, we can help you read your escrow statement and see why your payment moved.
Find Out What You Qualify For
One call gives you a clear look at your options and a pre-qualification to use when you start shopping. From there we handle the loan, and we keep in touch once it closes.