Home Loans in Georgetown and the Towns Around It
We help home buyers, veterans, self-employed borrowers and investors across Georgetown and the surrounding area choose a home loan and understand what it means for them. Sit down with a loan officer at our office, or talk it through by phone or video from wherever you plan to buy.
Where we work
Most of our borrowers are buying or refinancing in Georgetown, Santa Rita Ranch, Sonterra, Liberty Hill and Jarrell. We also work every week with people in Round Rock, Leander, Cedar Park, Brushy Creek, Hutto and Pflugerville. If your purchase is somewhere else nearby, ask. The loan rules are the same, and we can usually help.
Because the work happens by phone, by video or at our office, you do not need to drive in to get started. A loan officer walks you through pre-qualification, explains each loan type in plain words and tells you what documents to gather. When you are ready, we take your loan application and keep you posted until closing.
Towns we cover from Georgetown
- Georgetown
- Santa Rita Ranch
- Round Rock
- Leander
- Cedar Park
- Hutto
- Brushy Creek
- Liberty Hill
- Sonterra
- Jarrell
- Pflugerville
Not on the list? Call (512) 528-3761 and ask.
Local costs that change your monthly payment
- Property taxes and special districts
- Texas funds schools and counties largely through property taxes rather than an income tax, so the yearly tax bill often makes up a bigger share of the monthly payment than buyers from other states expect. Some newer subdivisions also fall inside a utility or special district that charges its own tax on top. Both amounts land in your escrow, so we ask for the address early and fold them into the numbers you see.
- HOA dues
- Many newer neighborhoods around Georgetown have an HOA with monthly dues. Lenders count those dues as debt when deciding how much you qualify for. We include them from the first conversation so your pre-approval amount holds up once you pick a property.
- New construction and older properties
- The area mixes brand-new builds with older properties closer to town centers. New construction often means a longer timeline and a builder contract with its own deadlines, while an older property may draw closer attention from the appraiser. We explain how either affects your rate lock and closing date.
- Weather and insurance
- Central Texas sees hail, heavy spring storms and the occasional flash flood. Property insurance is part of your escrow, and some lots near creeks need flood coverage too. We help you line up those quotes before closing so the payment you plan on is the payment you get.
- USDA eligibility at the edges
- Some outlying areas north and east of Georgetown may meet USDA rural guidelines, which can mean no down payment for qualified buyers. Whether a property qualifies depends on its exact location and on your income, so we confirm both early, before you build a plan around it.
Talk through your options before you make an offer
Tell us the town you are looking in and a little about your income and savings. We will explain which home loans make sense and what each one costs over time. Then we can start your application.