Austin Mortgage Guidance. More Options. Better Strategy.
Working with an Austin mortgage broker isn’t just about finding a mortgage. It’s about finding the right strategy for your situation.
I’m Joe Krupp, an Austin mortgage broker helping homebuyers, homeowners and real estate investors throughout Austin, Cedar Park, Round Rock, Leander, Georgetown, Lakeway and Central Texas evaluate their financing options and make informed decisions.
Whether you’re buying your first home, moving up, purchasing an investment property or considering a refinance, I’ll help you compare your options and understand the numbers before you make a decision.
Mortgage Options for Austin & Central Texas
Conventional Loans
Flexible financing for primary residences, second homes and investment properties.
Jumbo Loans
Financing options for higher-priced homes that exceed conventional conforming loan limits.
FHA & VA Loans
Government-backed financing options for qualified buyers, including eligible veterans and service members.
First-Time Homebuyers
You may need considerably less than 20% down. I’ll help you compare down-payment options, mortgage insurance and available programs.
Investment Property Loans
Financing for rental properties and real estate investors, including conventional and alternative financing strategies.
HELOC & Home Equity Loans
Evaluate rate-and-term and cash-out refinance options based on your existing mortgage, monthly payment, closing costs and long-term financial goals.
Why Work With an Austin Mortgage Broker?
A mortgage isn’t one-size-fits-all. My job is to help you understand your options and structure the financing around your goals—not simply quote you a rate.
Experience That Matters
I’ve helped hundreds of clients navigate home purchases, refinances and investment-property financing throughout my career. Learn more about my background and experience.
More Options
As a mortgage broker, I can evaluate multiple loan programs and lending options rather than being limited to the products of a single bank.
Strategy Beyond the Interest Rate
We’ll look at the entire transaction—including down payment, mortgage insurance, points, seller concessions, rate buydowns and cash-to-close—to determine what actually makes financial sense.
Straight Answers
Sometimes the best mortgage decision is to do nothing. If refinancing, paying points or restructuring your financing doesn’t make sense, I’ll tell you.
Local Austin Experience
I live and work in the Austin area and understand the Central Texas housing market—not from a national call center, but from working with buyers, homeowners, Realtors and investors here.
What Clients Say
“Joe not only got us the cheapest rate but was an absolute pleasure to work with. He was the expert and worked directly with us so there was no confusion during the process. He also foresaw any pitfalls and prepared us before they even came up. He was also super responsive and answered all of our questions. We felt very comfortable working with Joe and would highly recommend him to anyone!”
— Besrat A.
“Joe helped my wife and I refinance our home and he did a fantastic job. The process was efficient and smooth. We appreciated that he took his job seriously and was meticulous about detail. Would highly recommend!”
— Julian A.
“Joe provided excellent service throughout my home buying process. He offered competitive rates and was incredibly prompt in responding to all of my questions. I highly recommend him!”
— Vishal V.
Austin Mortgage Questions — Answered
How much do I need to put down on a home in Austin?
You don’t necessarily need 20% down. Depending on the loan program and your qualifications, conventional loans may allow down payments as low as 3%, while FHA and VA financing can provide other low- or no-down-payment options for eligible borrowers. The right amount to put down depends on your cash reserves, monthly payment goals and overall financial strategy.
Should I put 20% down on a home?
Not necessarily. Putting 20% down can eliminate mortgage insurance on many conventional loans, but keeping some of that cash available may be more valuable depending on your situation. I often compare multiple down-payment scenarios so you can see the actual difference in payment, cash-to-close and overall cost.
Can a seller pay my closing costs?
Yes, seller concessions may be used toward eligible buyer closing costs, subject to loan-program limits. In the right situation, negotiating a seller credit can sometimes be more valuable to a buyer than simply negotiating a lower purchase price.
Should I pay points to lower my mortgage rate?
It depends on the cost of the points, the resulting rate reduction and how long you expect to keep the mortgage. I prefer to calculate the break-even period so you can see how long it takes to recover the upfront cost.
Can rental income help me qualify for an investment property?
Potentially. How rental income is treated depends on the property, your history of receiving rental income and the loan program being used. Investors may also have financing options that evaluate the property’s rental income differently from a traditional mortgage.
When does refinancing make sense?
There’s no universal rate drop that automatically makes refinancing worthwhile. The current balance, new rate, closing costs, remaining loan term and how long you expect to keep the property all matter. The best way to evaluate a refinance is to compare the actual cost with the expected monthly and long-term savings.
Ready to Run the Numbers?
Whether you’re buying a home, considering a refinance or evaluating an investment property, I’m happy to help you look at the numbers and understand your options.
No pressure. No one-size-fits-all answer. Just a straightforward look at what makes sense for you.
Joe Krupp
NMLS #221471
Mortgage Strategist | Independent Mortgage Broker
