Austin Capital Mortgage.
Yes. Since 1996

Our mortgage process combines the certainty of a direct lender with the competitive choice of a multi-lender marketplace, giving you more ways to qualify, better pricing options, and a faster path to yes.

A better mortgage experience, built over three decades

Austin Capital Mortgage is a full-service mortgage banker that has funded more than $7B in residential loans since 1996.

By sourcing the best market rates and managing the entire mortgage process (origination, processing, underwriting,closing & funding) in-house, we deliver a 5-star customer experience, and a guaranteed path to homeownership in as little as 7 to 21 days.

Our unique hybrid model provides the certainty of a direct lender with the competitive choice of a multi-lender marketplace.

30

Years in business

400+

Five-star reviews

Google · Zillow · Bankrate

23

Five-star reviews

<1hr

Avg. response time

(During weekdays)

100%

Customer satisfaction rate

3+ Decades of delivering Mortgage solutions for every homebuyer

30yrs in the mortgage industry, we’ve helped over 20k+ borrowers and worked with just about every income type and loan scenario.

Self-employed borrowers who write off taxes

First time buyers with low down payment

Business owners with multiple incomes

W2 employees with high credit scores

What makes us different?

Access to 100+ lenders, personalized guidance, and an in-house mortgage process designed to close in 7–21 days.

Mortgage banker + broker advantage

Our hybrid banker+broker model gives you access to 100+ lender rates, with an in-house team that controls every step of the mortgage process so nothing gets delayed, dropped, or handed off to a third party.

Faster closing
(7-21 days)

The same team that approves your file underwrites it and closes it, so your timeline never depends on third-party approvals.

Dedicated loan officer

You get a dedicated loan officer who knows your file, answers your questions, and stays with you from pre-approval all the way to funding.

30 yrs of mortgage expertise

Our team has been closing loans since 1996; through every rate cycle, market shift, and complex borrower situation you can imagine.

Our mission is to provide the best mortgage experience to every borrower by providing access to multiple lenders, personalized guidance, and a reliable path to funding.

Our values

Customer-centricity

We recommend loan options based on your goals, whether that is a lower payment, less cash up front, a faster closing, or a lower overall cost.

Transparency

We give you a clear view of pricing from the start (no hidden fees), so you understand the tradeoffs between rate, points, and APR, and how it impacts your quote

Accountability

One loan officer guides you from pre-approval to funding, so you’re not re-sending documents or chasing updates at every stage.

Reliability

We align pre-approvals with real underwriting standards and fund loans in-house, so you can move toward closing with fewer surprises, reversals, or delays.