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We are a full-service Mortgage banking firm located in the greater Houston area and are committed to giving the residents of Texas the best mortgage rates and service.  Our team is committed to delivering quality mortgage lending service to all our customers.  Although we offer competitive rates and low fees, we are most well-known for our service quality.  Our goal is to make your mortgage loan experience simple and easy while providing a great deal.  Whether you need a new home purchase loan or are refinancing your existing home loan, we will make sure your experience exceeds your expectations.  Our strength is in our ability to look at every individual applying for a mortgage and work with them to ensure they are in the best mortgage possible.

Mortgage Pre-Qualification – Complete the online application or a quick phone call with our experienced loan officers and get pre-qualified and shopping for your new home in a matter of minutes.

Mortgage Pre-Approval – Once you have taken a few minutes to get prequalified, submit your loan documentation to support your loan application and get a full mortgage pre-approval so that you are home shopping with confidence.

Loan Types – We stick to our core strengths, which is why we have been able to surpass our competition and execute the delivery of our promises to our customers.  We focus on Conventional Home Purchase Loans and Refinance, FHA Loans, VA Loans, USDA Loans and Jumbo Mortgages.

Loan Programs

Below is a brief description of your mortgage options and ways to get the process started:

Conventional Home Loans

Most lenders would consider a conventional mortgage as a loan that conforms to the guidelines set forth by Freddie Mac and Fannie Mae, the two government sponsored enterprises (GSEs).

Jumbo Mortgage Financing

A jumbo mortgage is a mortgage with a loan amount above conventional conforming loan limits. This standard is set by the two government-sponsored enterprises.

FHA Mortgage Loans

The FHA’s goals are to improve housing standards and conditions, provide an adequate home financing system through insurance of mortgage loans and to stabilize the mortgage market.

VA Mortgage Loans

The basic intention of the VA direct home loan program is to supply home financing to eligible veterans in areas where private financing is not generally available and to help veterans.

Client Testimonials

"Paul helped me every step of the way. He made sure to explain things clearly before signing. He was always available when I called. I would very highly recommend him, for first time home buyers." -Jon W.

Paul stepped us through the whole process and showed us how much money we would save by refinancing. The other folks at Austin Capital were great too, and everything was done online except the final step at the title company. Paul and Austin Capital Mortgage - Katy are 10 out…Read More

I was 3 days away from making a final decision on who I would go with to process my loan. I was ready to settle for a pretty ridiculous rate on an FHA loan. I decided to do a bit more research and I was blessed enough to cross paths…Read More

Paul Mitchell handled my refi loan and he is awesome ! He walked me through the process with ease. He answered all my constant questions. It was my first refi loan but he made it so easy. I had complete confidence in him in all regards. He was able to…Read More

Paul was great, he made the experience very easy and was very friendly while maintaining professionalism. Obtaining a mortgage happened on the phone, in just a few hours. I had a pre-approval quickly and was able to secure the home I really wanted. He made the rest of the process…Read More

Paul Mitchell handled my refi loan and he is awesome ! He walked me through the process with ease. He answered all my constant questions. It was my first refi loan but he made it so easy. I had complete confidence in him in all regards. He was able to…Read More

I refer as many clients as I can to Austin Capital Mortgage. Leslie & Charlie go above and beyond to make sure my clients are well taken care of. My last client was looking at another lender and I asked that he at least give them a shot to get…Read More

This is my second time financing a property with Austin Capital Mortgage. I've also used Wells Fargo and Provident Funding for other properties, so I feel like I do have a decent basis for comparison. Charlie and his team made things as easy as possible, are always accessible and responsive.…Read More

My wife and I were first time homebuyers and wanted to go through a local business to finance our mortgage. I can't say enough how Charlie and Leslie were extremely responsive, thorough and informative. We were able to secure a lower interest rate because of his advising. Charlie's consistency and…Read More

"Thorough, knowledgeable, responsive, efficient" This is my second time financing a property with Austin Capital Mortgage. I've also used other big-name lenders for other properties, so I feel like I have a decent basis for comparison. Charlie and his team made things as easy as possible, are always accessible and…Read More

Austin Capital Mortgage Loan Options

Fixed Rate Mortgage

If you plan to stay in your home for the long term, sleep tight knowing you will have the stability of a consistent payment that never changes.

VA Home Loan

Are you are a veteran, member of the military or military spouse? You may qualify for a VA loan.

FHA Home Loan

An FHA loan provides a government-insured loan with flexible loan options. Less strict credit requirements and qualifications.

Jumbo Homes Loans

When a loan amount reaches a certain point, Jumbo and Super Jumbo Loans can offer high-end financing that a traditional loan can’t.

24044 Cinco Village Center Blvd Suite 100, Katy TX 77494
Phone: (281) 394-1201
paul@austincapitalmortgage.com
NMLS: 269742

Austin Capital Mortgage

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