About Home Loans Georgetown, Your Mortgage Lender in Georgetown
We are a mortgage lender in Georgetown, TX, and we work by one simple habit. Before you sign anything, you should know what the loan is, what it costs over time and why it fits you. We meet at our office or by phone and video.
How We Work With Borrowers
A home loan is one of the largest contracts most people ever sign, and much of the paperwork reads as if it were written for lenders. We work from the borrower's side of the table. Our loan officers translate the terms: what a rate lock does, why paying points changes your monthly payment, what mortgage insurance is and when it can come off.
We have been NMLS licensed for 10 years. You can look up that registration in the NMLS Consumer Access database before you share a single document with us, and we encourage you to.
The people we help vary a lot. First-time buyers want to know how much they need for a down payment. Veterans ask what their VA benefit really covers. Self-employed borrowers wonder whether their tax returns tell the whole story, and investors care about speed. Others want to refinance or draw on equity they have built. Each of those questions gets a straight answer and a clear next step.
What You Can Expect From Us
Options laid out side by side
When more than one loan could work, such as FHA and conventional, we put them next to each other. You see the down payment, the mortgage insurance, the rate and the cash needed at closing for each one, so the choice is yours and it is an informed one.
Every fee explained
Your Loan Estimate is a three-page form full of codes and abbreviations. We go through it line by line, from origination charges to title fees to the prepaid taxes and insurance that fund your escrow account.
An honest answer on whether you qualify
If the numbers do not work yet, we say so and tell you why. That might mean paying down a card to lower your debt-to-income ratio, or waiting a few months for a credit score to recover. Sometimes the best advice is to wait.
Updates you can follow
We meet in whatever format suits you. As your file moves through appraisal, underwriting conditions and clear to close, we tell you where it stands and what we need from you next.
Borrowers We Serve Around Georgetown
Our office is in Georgetown, and we work with buyers and borrowers across Williamson County and the north Austin suburbs. That includes Santa Rita Ranch, Round Rock, Leander, Cedar Park, Hutto, Brushy Creek, Liberty Hill, Sonterra, Jarrell and Pflugerville. Because so much of the process happens by phone and video, distance rarely slows anything down. When you would rather sit across a desk and go through documents in person, our office is the place to do it.
- Georgetown
- Santa Rita Ranch
- Round Rock
- Leander
- Cedar Park
- Hutto
- Brushy Creek
- Liberty Hill
- Sonterra
- Jarrell
- Pflugerville
Talk Through Your Loan With Someone Who Explains It
One phone call can start your loan application, get you pre-qualified or get you current rate quotes. Bring your questions and we will answer them in plain terms.