When only the absolute best will do, we’re here for you!
Let's Make a Deal!
If you think another lender has a more competitive price, fill out a Rate Quote form and send us their loan estimate on the same day. If we can’t beat it by at least $200, we’ll give you $200 in cash.
Loan Process
This section will give you a good Idea of the mortgage process and the time frame involved. The knowledge will help you feel more comfortable as you go through the steps and it will also help you spot any red flags along the way if they should appear.
Home Buyer's Toolkit
Buying a home is exciting and, let’s face it, complicated. This booklet is a toolkit that can help you make better choices along your path to owning a home. Please download the toolkit and read at your leisure.
Pre-approval Application
Getting pre-approved for a mortgage is a great way to show sellers you’re a serious, credible buyer; submit your pre-approval letter with your offer; it may be the key to closing on your new home. It only takes minutes to fill in and complete the pre-approval form.
We Will Find the Right Mortgage For You
Getting a great rate on a mortgage is about a lot more than simply comparison shopping. It’s also about much more than just your credit score. In fact, the mortgage industry examines a number of factors to determine not only if you qualify for a mortgage, but also what interest rate you’ll pay.
There’s a lot at stake. Mortgage rates can vary by several percentage points depending on various factors. The difference can mean a much higher or lower monthly payment and tens of thousands of dollars in interest payments over the life of the loan. If you hope to get the best mortgage rates possible, you’ll need to make sure that you are well-qualified.
We are here to help you get the right mortgage, with the absolute best rate possible. That’s what we do!
Loan Programs
A fixed-rate mortgage comes with an interest rate that won’t change for the life of your loan.
A conventional” (conforming) mortgage is a loan that conforms to established guidelines for the size of the loan and your financial situation. Conventional mortgages often feature lower interest rates than jumbo loans, FHA loans or VA loans.
An adjustable-rate mortgage (ARM) is a 30-year home loan with an initial fixed-rate period, typically 3 to 10 years. The interest rate may change on an annual basis once the fixed portion of the loan expires. For example, with a 5/1 ARM loan, your interest rate would be fixed for 5 years, and could fluctuate up or down each subsequent year for the next 25 years.
An FHA mortgage is a government-backed home loan with more flexible lending requirements than those for conventional loans; because of this, interest rates for FHA mortgages may be somewhat higher, and the buyer may need to pay monthly mortgage insurance premiums along with their monthly loan payments. Please ask if you have any questions!
VA loans are home mortgages backed by the Department of Veterans Affairs (VA). With a VA loan, eligible service members and veterans can buy a home with little or no down payment, or refinance an existing home to get cash out or a lower monthly payment.
Many people dream about building a new home to their exact specifications. If you’ve been thinking about building a new home, it could be one of the most exciting and rewarding projects you’ll ever undertake.
Austin First Mortgage offers investment property loans for those interested in buying second homes and investment properties, including one- to four-unit residential properties and vacation properties.
A loan is considered jumbo if the amount of the mortgage exceeds loan-servicing limits set by Fannie Mae and Freddie Mac — currently $726,200 for a single-family home in most states
Whatever your goal is for refinancing your home, our mortgage specialists can help you find potential ways to lower your monthly payment expense
