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(512) 891-0778 NMLS: 229421, 1971339

Rachel Brown is from Houston, Texas and has a degree in Marketing from Texas State University. Prior to moving to Austin in 2010 with her husband and two daughters, Rachel held a position as Vice President of Mortgage Lending with The Vault Mortgage Company in Houston. As a top producer for ten of the eleven years at her firm, she helped to build one of the most successful, highly regarded firms in downtown Houston.  At The Vault Mortgage, she and her colleagues worked with realtors, law firms, and title companies who continually recognized her team for outstanding service throughout the loan and closing process. After an extended absence to raise her daughters, Rachel joined the Austin Capital Mortgage team in January 2018 with the intent to build a new referral-based business with a focus on stellar customer service and competitive rates.


Office: (512) 891-0778
Fax: (512) 891-0779


“We had the pleasure of working with Rachel Brown to get us a mortgage to our new home based on our relatively new (2- year old) business’ income. We couldn’t be happier with the professionalism, best efforts and responsiveness to our every question and concern. Mrs. Brown went above and beyond our expectations putting together an attractive offer in quite a limited timeframe. We will be forever grateful. Keep up the good work!”

-Tina B.

“We were so impressed by Rachel at Austin Capital Mortgage. She is definitely knowledgeable and good at her job. She worked very hard to get us a great deal and ensure it all came together. She was excellent at keeping us informed and always pleasant to work with. We highly recommend anyone looking to give Rachel a call.”

-Jeff B.

“Rachel Brown at Austin Capital Mortgage might have provided me the best customer service I’ve received from anyone, anywhere. Forget that this is a mortgage brokerage company, Rachel was everything you hope for in a customer service representative … she found a me a great rate, answered weekend and after hours phone calls, texts and emails with my sometime ridiculous questions and ultimately made me feel very comfortable throughout the financing process. And most importantly she provided me straightforward advice as this was the first home I’d bought in a while. Initially I was interested in the larger nationwide lenders just because I thought I’d get a better rate but I was fearful that as soon as they locked me in the customer service would fall apart and I’d be all alone and afraid! So I went with ACM after reading some other reviews and lo and behold, Rachel got me a rate on par with the larger companies and, as stated previously, provided unparalleled customer service. I couldn’t recommend ACM any more adamantly.”

-Glen G.

“Rachael Brown was very helpful throughout this process. It is very hard for a pair of 70 something year old’s to up and move and she made it very easy and helped throughout the process. She went the extra mile to make it easy and she covered everything that could have possibly gotten in our way. Highly recommend her firm and her especially and that is a lot from a former Marine – we are not easily satisfied.”

-Larry K.

“I was (emphasis on WAS) a very discouraged single-mom trying to become a first-time Home Owner, when my file landed on the desk of Rachel Brown. She was my third Loan Officer and the answer to my prayers. Not only did she help us get a great mortgage but she did it with a professional integrity that none of the other lenders possessed. She answered ALL my questions, walked me thru mortgage lingo I didn’t understand and drove from Austin to San Antonio to be at my closing for support! I can’t thank Rachel Brown and Austin Capital Mortgage enough ?”

-Mesha M.

“My wife and I worked with Rachel Brown during our home-buying process. This was our first home that either of us had ever bought and we weren’t sure how it was going to go, but we had both heard horror stories about the ambiguity and the time consumption of the process and were not looking forward to it. I am very pleased to tell you that Rachel made it very simple for us! She was extremely friendly, very responsive to all our texts, calls and e-mails and was there for us every step of the way. We never once got the impression that she wasn’t completely interested in helping us. We went with Austin Capital Mortgage because of the very high reviews on Google and Yelp and we weren’t disappointed.”

-Robert C.

“Rachel Brown was my person at Austin Capital Mortgage. She made everything easy. Rachel always returned my calls in a timely fashion and she responsive and informative when I had questions. I had a good experience with Austin Capital Mortgage.”

-Kathleen T.

“Rachel was fabulous! We had many questions throughout the home buying process and Rachel was quick to answer each one. We highly recommend her to anyone looking for a new home.”

-Lauren S.

“Rachel at Austin Capital Mortgage was not only helpful but engaging. She communicated regularly throughout the mortgage application process and worked to get us the best rate possible. She was responsive to all of my requests and was always there to help. This was the first time that I’ve worked with a mortgage broker instead of directly with a lender and have discovered that it can be a real advantage.”

-Paul M.

“As a Realtor we look to lenders to take care of our Buyers. Rachel has always gone over and beyond for my buyers and make them feel comfortable.  I’m extremely excited to be referring her business again.”

-Melissa S.

“We enjoyed working w/Rachel Brown and Austin Capital Mortgage. They are diligent in there work, they have great communication and strive to keep the process simple and easy to follow. We would welcome an opportunity to work w/ them again in the future.”

-Karla S.

“Rachel Brown was fabulous to work with. She represented the buyer and I was the agent, she was thorough, responsive and made the process seamless for my client. I would highly recommend her.”

– Wendy E.

I can’t say enough great things about RACHEL BROWN and ACM. Rachel shopped around and got me a great rate. Although she lives in Austin and I am in Houston, she was very responsive via email and text-usually within minutes. She gave me frequent updates on the process and answered all my questions in a way I understood. She also made the drive to Houston to sit with me during closing which I really appreciated and thought was above and beyond! Do your self a favor- call Rachel.

-Randi T.

“I am so happy that Rachel found me. She helped me buy a home that complements my family and future. Rachel was very patient helping me collect all of my statements and documents; she went way above and beyond the call of duty helping me evenings and some weekends. Rachel matched my needs with the perfect lenders and underwriters. I am really excited about my new home and that I am able to be near my family.

-Sherrie G. 

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