TEXAS' TOP MORTGAGE LENDERS SINCE '96
Get the Best Mortgage Terms & Rates in Texas
With in-house underwriting and access to multiple lenders, we secure the best mortgage rates and terms for you.
- Compare Multiple Lenders
- 100% Online Application
- In-house Underwriting, Faster Approvals
- Takes 2 mins to complete
Home Purchase Loans
Secure the best home purchase loans tailored to fit your financial situation and goals.
- Access a wide network of top mortgage lenders in Texas.
- In-House Underwriters for faster loan processing (1 day).
- High loan limits, lowest rates guaranteed.
Mortgage Refinance
Already have a mortgage? Refinancing can help you reach your financial goals faster.
- Lower your interest rate and save money every month.
- Build equity faster with shorter loan terms.
- Switch from an adjustable to a fixed-rate mortgage.
Cash Out Refinance
Use the equity in your home to fund what matters most to you with a cash-out refinance.
- Consolidate high-interest debt.
- Finance home improvements or major purchases.
- Cover educational expenses or other significant investments.
Recently Funded Homes in Texas
From first-time buyers to self-employed borrowers, these are some of our most recent funded loans
How are we different from other lenders, and banks?
We Work for You.
Unlike banks, we aren’t tied to a single lender. We shop dozens of lenders to secure the best deal for you.
| Feature | Austin Capital Mortgage | Other Lenders/Banks |
|---|---|---|
| Rates & Costs | We shop 100+ lenders to secure the lowest rates and closing costs | Pushes their own products only, no competitive shopping |
| Speed of Approval | In-house underwriting → faster decisions, fewer delays | Outsourced underwriting → slower, back-and-forth |
| Application Process | 100% online, secure uploads | Partly online, often require office visits |
| Access to Top Mortgage Experts | Dedicated loan officer, direct line, proactive updates | Call centers, long wait times, no personal contact |
| Local Market Expertise | Texas-based team that understands local taxes, comps, and title timelines (operating since 1996) | National focus, not tailored to Texas borrowers |
Start Your Pre Approval in 2 Minutes
Fill out our 2-min form to see how much home can you afford.
Hear From Our Happy Clients!
As Texas' top rated mortgage lenders, we have a stellar reputation with an average rating of 5 Stars across all channels.
Calculate How Much Home You Can Afford
Whether you're getting an FHA, VA, USDA or Jumbo home loan, estimate your mortgage payments using our affordability calculator.
Today's Mortgage Rates
Follow day-to-day movement in mortgage rates our daily index, driven by real-time changes in actual lender rate sheets.
Meet the Dream Team
We are a group of top loan producers in Texas with over 25+ years of local mortgage industry expertise, dedicated to get you the perfect mortgage for your needs.
Jeff Wilkinson
Director of Operations
Phone: (512) 891-0778
Email: jeff@austincapitalmortgage.com
Jeff was born in California, although his formative years were spent abroad. It wasn't until high school that he returned to the United States, settling in Houston for his education. Texas Christian University welcomed him for his college years, during which he engaged in football.
After a brief stint in Phoenix, Arizona he found himself drawn back to Texas in 1996, marking the year he became a part of the Austin Capital Mortgage team. Beyond his professional commitments, Jeff’s competitive nature finds an outlet through pickleball, where he embraces the challenge with enthusiasm. His zest for life also extends to exploration alongside his wife and family, as they embark on travels together.
Kari Cooper
Business Development
Phone: (512) 891-0778
Email: kari@austincapitalmortgage.com
Originating in Oslo, Norway, Kari's early years were marked by a journey across the heart of the southern United States. From Alabama to Louisiana, and through Mississippi, her family's wanderings culminated in the heart of central Texas, where she spent her formative years and graduated high school. Kari's academic journey led her to the Bauer School of Business at the University of Houston, where she earned a degree in marketing with a minor in African American studies.
Beyond the professional sphere, Kari finds solace in the pages of fiction, channeling her creativity into interior design and décor. Her passion for travel is evident as she crafts thoughtful vacation itineraries for her loved ones. With a knack for hosting, Kari transforms gatherings into remarkable occasions, effortlessly infusing a touch of extravagance into almost everything she undertakes.
Charlie Cooper
President | NMLS #326203
Phone: (512) 891-0778
Email: charlie@austincapitalmortgage.com
Charlie Cooper was born in London and hailed from Jamaican roots, his upbringing unfolded in the vibrant city of Houston, Texas. Nurtured by a family deeply ingrained in entrepreneurship, he imbibed the art of chasing passions and charting a course for success from an early age.
His academic journey led him to the University of Houston, where he focused his studies on
Finance, complemented by a minor in Accounting.
Beyond his professional pursuits, Charlie is a fervent sports enthusiast, his love for adventure fueling a passion for global travel and immersive exploration. The Houston Oilers hold an unshakable place in Charlie's heart as his beloved football team of choice.
Geri Brodlowicz
Processor
Phone: (512) 891-0778
Email: Geri@austincapitalmortgage.com
Geri embodies the spirit of her hometown, Austin, Texas, where she was born and raised, making her a genuine Austinite through and through. Her educational path led her to Austin Community College, where she pursued her passion for real estate and earned a technical degree in the field. With her diploma in hand, she ventured into the dynamic world of the mortgage industry, discovering a profound sense of fulfillment within its competitive environment.
Beyond her professional endeavors, Geri finds her heart in spending quality moments with her fiancé and their two beloved dogs. The tennis court serves as a playground for her competitive spirit, and she also expresses her creativity through the art of painting. A fascinating tidbit about Geri is that she's the proud owner of a bearded dragon named Puff, adding an element of uniqueness to her life.
Tom Oltmann
Loan Originator | NMLS #308768
Phone: (512) 891-0778
Email: tom@austincapitalmortgage.com
Originally born in Waterloo, Iowa, Tom's journey led him to plant roots in the Lone Star State at the age of nine. In 1996, he found his way to Austin, where he dedicated 12 years to his role as a retail store manager at AT&T. With a degree in Business Management and Finance from the University of Phoenix under his belt, he became an integral part of the Austin Capital Mortgage team in 2008, assuming the role of a Loan Originator.
Beyond the professional realm, Tom's interests encompass the thrill of travel, the finesse of golf, the precision of competitive pistol shooting, and cherished moments spent with family. His culinary passion shines as he dons the chef's hat, conjuring up delectable meals that delight friends and loved ones.
Adrienne Sanchez
Loan Originator | NMLS #1213046
Phone: (512) 891-0778
Email: adrienne@austincapitalmortgage.com
Adrienne was born in the golden state of California, where she spent her upbringing. However, her journey led her to Arizona, where she pursued and successfully completed nursing school. Her professional path took an unexpected turn in 1994, venturing into the mortgage industry. In 2004, Adrienne found herself in Austin, Texas, and shortly thereafter in 2009, she became a valued member of the Austin Capital Mortgage team. Her reputation at work speaks of a true team player, consistently placing her team's achievements at the forefront.
Beyond her professional pursuits, Adrienne finds joy in treasured moments spent with her two children, four grandchildren, and an extensive network of family and friends. Her zest for life extends to activities like Krav Maga and hiking, which resonate with her adventurous spirit.
Nikki Anderson
Administrative Assistant
Phone: (512) 891-0778
Email: Nikkii@austincapitalmortgage.com
Nikki Anderson is an administrative professional and receptionist who was born and raised in Austin, Texas. She attended Austin Community College and Virginia College, where she studied Paralegal Studies. Nikki began her career in the oil industry, initially working as an office administrator before advancing to the role of executive assistant of operations. After dedicating five years to raising her children and running a small business, she returned to full-time work when her children entered school. Nikki joined ACM and couldn't be happier in her current position.
Her hobbies include cooking, antiquing and thrifting, watching old movies, enjoying beach trips, being a sports mom, going on road trips, engaging in interior design, and crafting.
A fun fact about Nikki is that she played select softball and participated in competitive cheerleading from the age of five until seventeen, a journey that came to an end after she broke her ankle twice. She is also a proud mother of two little girls who keep her life vibrant and busy.
Ashley Rae Gordon
Processor
Phone: (512) 891-0778
Ashley's roots trace back to Massachusetts, where she initially pursued a career in banking. Her journey led her to become a mortgage loan officer before transitioning to processing, a role she has grown to adore. Beyond her professional life, Ashley finds joy in various activities including running, cooking, cherishing moments with her canine companion, immersing herself in live music, and exploring novel cuisines.
An early riser by nature, Ashley is deeply dedicated to maintaining her fitness, with a strong focus on workouts, running, and overall well-being.
We offer our lending services in 11 states
